A family of four stands outside their new house.

First-Time Homebuyers

Explore assistance programs.

Get Started

Your path to homeownership starts here!

  • Down payments as low as 3%.

  • Expert guidance from prequalifying to closing

  • Down payment and closing cost assistance programs

  • Legends Loans program rate discounts

Down payments as low as 3%

Buying your first home doesn’t have to be confusing. At Floridacentral, our experts guide you from prequalifying to closing, offering lower down payments, and providing down payment assistance programs. With our support, you’ll feel confident in securing your dream home.

Plus, community heroes can get a rate discount of up to 0.35% through our Legends Loan Program for additional savings!

Homeownership Programs Comparison

Compare down payment and closing cost assistance programs.

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First Time Homebuyer

Floridacentral can help first-time homebuyers access up to $17,500 to assist with down payment and closing costs incurred when purchasing a home.

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Workforce Housing Plus+

Floridacentral can help homebuyers access up to $15,000 to assist with down payment and closing costs incurred when purchasing a home.

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Community Partners

Up to $20,000 for current or retired law enforcement officers, educators, healthcare workers, firefighters, and other first responders; veterans, or active-duty members of the military or surviving spouse.

Eligibility Requirements

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Contribute at least $1,000 toward the purchase of the home.

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Occupy the home as a primary residence.

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Complete a HUD-approved homebuyer counseling program.

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Income and employment requirements may apply.

Questions?

Provide us with your name and a method for contacting you, and a representative will contact you via email or phone.

 

Ready to Apply?

NMLS #695819