Coming soon
Spanish audio overview
The Florida homebuying journey, in Spanish.
Start here
See how the process works.
Take a five-minute tour of the tools, steps, and support that can help you move from wondering about homeownership to planning your next move.
Educational overview
VIDEO WALKTHROUGH
5 MIN 24 SECYour Florida homebuying roadmap
Learn where to begin, how to explore homes and estimates, and how to send your information to the team when you are ready.
Prefer to listen?
Buy a Florida home with zero down
Audio overview · 5 min 57 sec
Español
Audio & video overviews in Spanish
Coming soon
Spanish video overview
A Spanish walkthrough of the homebuying process.
Who this is for
Does this sound like you?
Renting now? See rent vs. own in Orlando →See how equity grows →In the news: a study projects Florida renters could pay about $508 more per year if Amendment 3 passes — while homesteaded owners keep capped tax increases. See rent vs. own · Grants FAQ · Read the report
Buyer's market: Redfin data reported by Business Insider shows nearly 45% of recent home sales included seller concessions — the highest in over six years. Many sellers are paying closing costs or funding rate buydowns. Concessions are negotiated and never guaranteed. See the seller concession strategy · Read the article
Watch the December 31 date: WPTV reports that if Amendment 3 passes on November 3, homeowners homesteaded in Florida by December 31 would get the full tax savings right away — later buyers could wait about five years. It needs 60% of the vote and doesn't eliminate property taxes, so plan early and confirm timing with your county. What the date means · Read the WPTV report
I rent right now
Apartment, house, or room—you already pay every month. Owning lets that money build your future.
See my pathway →
I'm moving to Florida
Relocating for work, family, or sunshine? The grant can help you buy once you're here.
See my pathway →
I own and want my next home
Not limited to first-time buyers. Move up, downsize, or relocate—the new home just needs to be where you live.
See my pathway →
I can't bring a big down payment
The grant is 2% or 3.5% of the price and 100% forgiven at closing—no repayment. Income up to 140% of area median, and no income limit for police, fire, EMS, teachers, healthcare and military.
See my pathway →Shop & bring it back
Found a home on Realtor.com? Apply for that exact home.
- 1
Browse on Realtor.com
Open Florida homes in a new tab and find one you love.
- 2
Copy the link
Tap the address bar (or Share → Copy link on your phone) to copy the listing link.
- 3
Paste it here
Paste it into the calculator or your application to see your numbers and get qualified.
No home picked yet? That's okay. You can apply now and get qualified first — knowing your numbers makes house hunting easier. Add a home anytime.
Your negotiating advantage
Ask for help with closing costs—not only a lower price.
Higher inventory and rate-sensitive demand can give buyers more negotiating room in many Florida markets. Instead of only offering below asking price, you may choose to offer at or near asking price and request seller concessions toward eligible closing costs. That can reduce what you bring to closing when paired with down payment assistance. If approved credit remains after other eligible costs, it may also fund a lender-quoted rate buydown that lowers the monthly payment.
Conditions vary by area, property, and price range. Seller concessions are negotiated, never guaranteed, and limited by the contract, appraisal, actual eligible costs, lender review, and program rules. Unused concessions are not cash back.
See the offer strategy →Your path to homeownership
Four steps to your next home.
- 1
Learn how it works
Short lessons in the Academy
- 2
Check the basics
640+ credit score · FHA loan · live in the home
- 3
See your real payment
Grant and seller help included
- 4
Get ready to buy
Take the homebuyer course, then shop
Based on verified program guidelines
Check the scores mortgage lenders may use.
Credit Karma commonly shows VantageScore scores, which may not match mortgage FICO Scores 2, 4 and 5. Choose a three-bureau plan that includes mortgage scores at myFICO, then confirm the model and qualifying score with your loan officer. A score you see yourself does not guarantee approval.
Start exploring
Pick up where you are.
Featured worksheet
See the whole payment.
Payment worksheet
Adjust any assumption. Figures follow the verified program guidelines.
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Negotiation note: In markets where buyers have more leverage, an offer at or near asking price can include a request for seller-paid eligible closing costs. Ask for what the worksheet supports—not automatically the maximum. After other eligible costs, remaining credit may fund an approved rate buydown. Enter a live lender quote above; concessions remain subject to the seller, contract, appraisal, lender, and program rules.
Homes in the notebook
View all →
DEMO
Palm Haven
Tampa · 3 bed · $329,000
DEMO
Garden District Bungalow
Orlando · 3 bed · $355,000
DEMO
Coral Row Townhome
Jacksonville · 3 bed · $289,500
Ready to see if it fits?
Answer a few questions in the screener, then get a source-grounded fit explanation.