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Affordable homeownership for Florida workers

Thanks to the Florida Hometown Heroes Housing Program, homeownership opportunities are made easier for first-time home buyers.


Are you an eligible full-time worker looking for homeownership assistance?

Please note that our Hometown Heroes program funding for 2023 has been fully allocated. Stay tuned for updates next year regarding new funding developments.

MIDFLORIDA Credit Union is proud to offer the Florida Hometown Heroes Housing Program to help our full-time Florida community workers fulfill the American Dream of owning your very own home. The program offers down payment and closing cost assistance and is a great option for those looking to buy their first home in the communities where they work or serve. To be classified as a first time home buyer, you must not have occupied or owned the home you're purchasing in the past three years. If you are a Veteran the first time home buyer qualification is waived.

The Florida Hometown Heroes Housing Program offers affordable homeownership opportunities to eligible full-time community workers employed by Florida-based employers.

Homeownership assistance
Supports Florida workers
Reduced upfront fees

What's Offered:

  • Up to 5.00% of the first mortgage loan amount (max $35,000) in down payment and closing cost assistance.1
  • Lower than market rates on a variety of home loans
  • Seller concessions for closing costs and pre-paids aren’t needed
  • The program can be used on a 30 or 15 year fixed mortgage

Speak with a MIDFLORIDA mortgage specialist today to learn more about the program and eligibility requirements. Call (863) 688-8443 or toll-free (855) 915-4663, or start your application online now.

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Image of Central Florida family moving into their first home thanks to the Hometown Heroes Florida Housing Program


Hometown Heroes eligibility

  • Must be employed by a Florida based employer to qualify
  • The current income limit for the hometown heroes program is 150% of the area median income or AMI for your county. In Florida 150% of the AMI and max income limit ranges from $118,950 to $146,250 depending on which county you live in. View list of income and maximum loan limits
  • Down payment and closing cost assistance is available in the form of an interest-free, non-amortizing deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed, or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
  • Florida Hometown Heroes Housing Eligibility

  • Further program details
  • Income and purchase price limits
  • Homebuyer Loan Programs Wizard (connect with a loan officer)

Homeowners Insurance

Are you covered?

Protect your home inside and out. Compare multiple carriers to find the best deal available. Insurance products provided by MIDFLORIDA Insurance Services, LLC. Lic. #L084232
Notices & Disclosures
Limited time offer which may be canceled at any time without notice. Membership required. Eligibility requirements apply. Subject to credit review and approval. Primary homes only. 1. Payment Example valid as of July 1, 2023: A 30-year FHA purchase loan for $303,403 with 3.5% down at 6.125% and an Annual Percentage Rate (APR) of 6.597% has a monthly payment of $1,843.51, which includes principal and interest. Payment example does not include taxes, insurance premiums, or mortgage insurance premiums; actual payment will be greater. Actual rate may vary based on credit history, loan to value and underwriting guidelines. Other conditions apply. Ask your mortgage loan officer for details. Equal Housing Opportunity. NMLS# 417627.