First-time homebuyer guide for Florida — programs, grants, and how to start.
FHA, USDA, VA, Florida Housing assistance, and conventional 3%-down programs. We help FL first-time buyers stack every available benefit.
Best first-time buyer programs in Florida
FHA loan (3.5% down)
The most popular first-time buyer program in Florida. 580+ FICO, seller-paid closing costs up to 6%, gift funds accepted for the entire down payment.
Learn more →Florida Housing programs
Down payment assistance layered on FHA, VA, USDA, and conventional loans through the Florida Housing Finance Corporation.
Learn more →USDA loan (0% down)
For eligible rural Florida communities outside major metros. No down payment required.
Learn more →VA loan (0% down)
For eligible veterans and active-duty military. Florida's large veteran population makes this a top zero-down program.
Learn more →Conventional 3% down
Fannie Mae HomeReady and Freddie Mac Home Possible allow 3% down for qualifying income buyers with reduced PMI.
Florida first-time buyer FAQs
What credit score do I need to buy my first home in Florida?+
FHA accepts 580+ for 3.5% down. VA has no minimum (lenders typically want 580+). Conventional 3% down programs typically require 620+.
How much do I need saved to buy in Florida?+
With FHA, 3.5% down plus 2–4% closing costs — though sellers can cover closing costs. With Florida Housing down payment assistance, some buyers close with as little as $1,000–$3,000 out of pocket.
Can I use gift money for my Florida down payment?+
Yes — FHA, VA, and most conventional programs accept gift funds from family members for the down payment.
What counts as a first-time buyer?+
Most programs define first-time buyer as someone who hasn't owned a primary residence in the past 3 years. If you sold or lost a home 3+ years ago, you likely qualify.
Ready to buy your first Florida home?
Free pre-approval — no credit hit until you're ready.