Receive up to $35K to buy a home in Florida with the Hometown Heroes Program

You worked hard to get where you are - now it's time that hard work paid off. With the Hometown Heroes Program, eligible full-time Florida employees can get up to $35,000 in down payment assistance, making homeownership more affordable.

A Florida homeowner who used the Hometown Heroes program to help buy her home
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First-time Florida homebuyer calling to see if they are eligible for the Hometown Heroes program

What is the Hometown Heroes Program?

The Hometown Heroes Program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work. Veterans do not have to be first-time homebuyers or employed full time.

Florida Housing estimates that the funding will only last up to 2-3 months after the program updates take effect on July 1, 2024. If you want to take advantage of this first-of-its-kind program, don't wait - reserve your funds now!

How does the Hometown Heroes Program work?

It's simple. Any eligible homebuyer can receive these funds at closing in the form of a second mortgage that has absolutely NO interest rate or monthly payment for the entire duration of the loan. It's paid back only upon sale, refinance, total loan payoff, or if the borrower vacates the property.

All traditional loan programs and property types anywhere in the State of Florida are eligible!

Loan programs available: Conventional, FHA, VA, and USDA
Single family homes, Townhomes, Condominiums, Villas, 2-4 units total are permitted
Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage
Available for any Florida-based worker who has not owned a primary residence in the past 3 years

Who is eligible?

Full-time employees of Florida-based businesses (including remote employees). Veterans are exempt from the employment requirement.
Self-employed buyers with a Florida business license
Real estate agents
640+ credit score
Qualifying buyer must be within the county income limits
Co-signers are permitted
(if total combined income doesn't exceed limit)

Hometown Heroes down payment and closing cost assistance

Homebuyers can purchase up to $800,000 with minimal to zero funds of their own. A good rule of thumb estimate is assistance will be 5% of the purchase price. Actual amounts will vary. See examples at right.

Purchase price
Potential assistance

How to apply for the
Hometown Heroes Program

We make applying easy and put home shoppers like you in the best
position to secure funds and purchase a home.

Follow the steps below to apply!

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Call 561.864.2458

8 a.m. - 9 p.m. ET

7 days a week

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Complete a 10-minute application by phone and the Matt Weaver Team will help you gather all necessary documents.

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Once reviewed, the Matt Weaver Team will schedule a phone consultation to go over all your loan option details, monthly payments, and qualification status.

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Find your perfect home and get under contract before the program ends!


Meet Matt Weaver

Matt Weaver is ranked as the #1 Mortgage Originator in the United States. He has been the #1 Originator in Florida since 2020. Matt has dedicated his life's work to servicing the mortgage needs of the real estate community, specializing in the purchase market, its agents, and their clients for over two decades. Matt’s cutting-edge concepts and relentless pursuit of supporting agents have earned him the record for the number of contracts accepted in a multiple offer situation during the most competitive years our market has seen in modern history.

Matt and his team have helped over 26,000 families achieve their dreams of homeownership. Clients receive the most trusted, most simple, and most real estate agent referred pre-approval processes in the industry backed by a closing rate that is second to none – all while being served 7 days a week from 8 a.m. to 9 p.m. with all customer inquiries answered live during those hours.

Matt's experience and depth of knowledge on both the mortgage and real estate industries have made him a trusted source for commentary to CNBC, Bloomberg, and Yahoo! Finance.

Headshot of Matt Weaver
Matt Weaver

Mortgage Loan Originator NMLS #175651

6800 Broken Sound Parkway

Suite 201

Boca Raton, FL 33487

Contact Methods
tel (561) 864-2458Mobile
mobile (561) 212-6503
email [email protected]Email
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