Up to $35,000 toward your Florida home purchase.
Florida Hometown Heroes may provide eligible homebuyers with down payment and closing cost assistance. Complete a quick preliminary review, and our team will help you understand whether the program may be worth exploring.
Mortgage guidance with a clear next step.
We help Florida buyers understand their mortgage options and choose a clear next step. Start with the short review, then tell us whether you prefer a call, more information, or a one-on-one conversation.
Built for eligible Florida workers, service members, and veterans.
Current 2026 program guidance includes eligible full-time Florida workers in specific workforce categories, along with qualifying military service members and veterans. Final eligibility depends on the current program rules, income limits, property, loan type, and lender review.
Healthcare + education
Eligible healthcare workers and K–12 school staff employed full-time by qualifying Florida-based employers may be considered.
First responders + public service
Eligible first responders, public safety and court employees, and qualifying child care workers may be considered.
Military + veterans
Active-duty service members, Reserve and National Guard members, and qualifying veterans are specifically addressed in the 2026 program.
Thanks — here’s your next step.
Based on your answers, the Florida Hometown Heroes program may be worth reviewing with our team. To continue, call or email Justin. This is not an approval, commitment to lend, mortgage application, or guarantee of available funds.
Serving eligible buyers throughout Florida.
Your county matters because program income and loan limits can vary. Select the county where you plan to purchase in the review above, even if you are still deciding on a city.
Justin Lopatin
Justin leads our mortgage team from OriginPoint in Boca Raton, Florida. We help buyers understand their mortgage options and determine the right next step for their home purchase.
For Hometown Heroes inquiries, start with the short preliminary review above. If the program appears relevant, our team can review the current requirements with you, discuss available loan options, and explain what comes next.
Questions people may have before they submit.
What is Florida Hometown Heroes?
The Florida Hometown Heroes Housing Program provides eligible, income-qualified Florida homebuyers with down payment and closing cost assistance when purchasing a primary residence. Occupational, employment, income, loan, and other program requirements apply.
How much assistance may be available?
Current 2026 program information states that eligible borrowers may receive 5% of the total first mortgage loan amount, with a $10,000 minimum and $35,000 maximum, toward down payment and closing costs.
Is this a grant?
No. The assistance is a 0% interest, non-amortizing, 30-year deferred second mortgage. It is not forgivable and becomes due under specified events such as sale, refinance, transfer of deed, or when the property is no longer the borrower’s primary residence.
Do I have to be a first-time homebuyer?
The program generally serves first-time, income-qualified homebuyers. Military and veteran rules can differ depending on the borrower and program structure, so previous homeownership should be reviewed rather than assumed to be disqualifying.
Will this page check my credit?
No. Completing this preliminary review does not authorize a credit inquiry and is not a mortgage application.
What happens after I submit?
Our team will review the information you submitted and follow up about the appropriate next step. You can also call us directly at (847) 345-0308 or email justin@originpoint.com.
See whether Hometown Heroes may fit your Florida home purchase.
Complete the preliminary review above, or contact our team directly if you would rather talk through your situation.
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