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Home loans for healthcare workers in Florida

Quick answer

Healthcare workers in Florida can use Florida Hometown Heroes Housing Program from Florida Housing Finance Corporation, which offers Up to 5% of the first mortgage amount (maximum $35,000, minimum $10,000), subject to funding. You can combine it with standard FHA, conventional or VA financing; eligibility, income limits and funding are set by the agency.

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

What is Florida Hometown Heroes Housing Program?

Assistance for income-qualified first-time buyers in eligible workforce occupations, including healthcare workers, school staff, first responders and specified military borrowers. It is a 0% non-amortizing 30-year deferred second mortgage, not forgivable. Florida Housing has announced that 2025–2026 funding is fully committed, so check availability.

Official page (verified October 23, 2026): Florida Housing Finance Corporation

What other down payment help is available in Florida?

  • Florida Assist — Up to $10,000 on FHA, VA, USDA and Conventional loans

Frequently asked questions

Up to 5% of the first mortgage amount (maximum $35,000, minimum $10,000), subject to funding. Assistance for income-qualified first-time buyers in eligible workforce occupations, including healthcare workers, school staff, first responders and specified military borrowers. It is a 0% non-amortizing 30-year deferred second mortgage, not forgivable. Florida Housing has announced that 2025–2026 funding is fully committed, so check availability.

Sources

Data last updated October 23, 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.