First-Time Buyers 5 min read
How to Buy a Home in Florida: Step-by-Step Guide (2026)
Everything you need to know about buying a home in Florida — from getting pre-qualified to closing day.
Read ArticleFlorida's #1 Homebuyer Resource
Your Path to Homeownership in Florida Starts Here
Discover programs, understand your options, and connect with trusted local experts — all in one place.
See If You Qualify
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See If You Qualify
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Free Educational Resource
Florida-Focused Programs
Connect with Local Experts
No Obligation. No Pressure.
5+
Florida Programs Available
1,200+
Families Helped
$15K+
Average Down Payment Savings
2
Minutes to See Your Options
Florida Homebuyer Programs
You may qualify for more help than you think. Explore programs designed for Florida buyers.
🏅
100% Financing Available
Florida Hometown Heroes
Designed for Florida's community workforce — teachers, nurses, first responders, and more. Lender-specific options may offer 100% financing with no down payment required.
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As Low as 3% Down
Home Possible
Freddie Mac's affordable mortgage option for low-to-moderate income buyers. Flexible credit requirements and reduced mortgage insurance.
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3.5% Down Payment
FHA Loans
Government-backed loans with flexible credit requirements. One of the most popular options for first-time buyers in Florida.
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0% Down for Veterans
VA Loans
Exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI.
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0% Down in Eligible Areas
USDA Loans
Zero down payment option for buyers in eligible rural and suburban Florida areas. Income limits apply.
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Not sure which program fits you?
Answer a few quick questions and we'll match you with the right options.
How It Works
Getting started is simple. We guide you every step of the way.
1
Tell Us About Your Situation
Answer a few quick questions about your goals, location, and finances. Takes less than 2 minutes.
2
We Review Your Options
Based on your location, goals, and eligibility, we identify the programs that may be the best fit for you.
3
Get Matched with a Local Expert
We connect you with a trusted local professional in Florida who can guide you through the process.
4
Move Forward with Confidence
Your expert walks you through every step — from application to closing day.
Families Who Found Their Home
Real stories from real Florida homebuyers.
"We had no idea where to start. This resource helped us understand the Hometown Heroes program and we ended up buying with almost nothing down. We're in our home now!"
Maria & Carlos R.
Orlando, FL
"As a veteran, I knew I had VA benefits but didn't know how to use them. They connected me with a local expert who made the whole process easy."
James T.
Tampa, FL
"We thought we needed 20% down. We qualified for an FHA loan and were in our new home within 60 days. The guidance here was invaluable."
Sofia & Miguel P.
Miami, FL
Frequently Asked Questions
Get clear answers to the questions most Florida buyers ask.
Florida Homebuyer Resources
Guides, tips, and program breakdowns — written for Florida buyers.
Down Payment 4 min read
Florida Down Payment Assistance Programs Explained
A breakdown of the top programs helping Florida buyers cover their down payment and closing costs.
Read ArticlePrograms 6 min read
What Credit Score Do You Need to Buy a Home in Florida?
The minimum credit score requirements for FHA, VA, USDA, and conventional loans in Florida.
Read ArticleReady to Find Out What You Qualify For?
It takes less than 2 minutes. No obligation. No pressure.
See If You Qualify NowThis is an independent resource and not a government agency. We provide educational information and may connect users with licensed local professionals.