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Orlando Unlocked: Open Door Program

Quick answer

Orlando Unlocked: Open Door Program is a Florida down payment assistance program from City of Orlando. It provides $45,000 (additional $10,000 for first responders/nurses) as a deferred-payment loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Only for new homes on vacant residential lots in the Downtown CRA sold at or below $375,000; approved March 2026. The city's general DPA program is currently closed to new applications.

Where does Orlando Unlocked: Open Door Program apply?

This city-level program is available to buyers in Orlando. Cities on our site where it applies:

DetailProgram terms
Assistance$45,000 (additional $10,000 for first responders/nurses)
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerSee official page
Income limitsAt or below 120% AMI

How does Orlando Unlocked: Open Door Program work with an FHA loan?

Florida's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.orlando.gov/Our-Government/Departments-Offices/Economic-Development/City-Planning/Orlando-Unlocked-Open-Door-Program. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Florida down payment assistance programs

Frequently asked questions

$45,000 (additional $10,000 for first responders/nurses), according to City of Orlando.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

At or below 120% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.