Florida Housing First-Time Homebuyer Options
Florida Housing offers statewide mortgage and down payment assistance programs designed to help first-time buyers
purchase homes with reduced upfront costs.
These programs are often combined with local assistance to maximize buying power.
Is Florida Housing the right path for you?
Join our next seminar to understand how statewide programs work, how they stack with local assistance, credit requirements, and what to prepare to avoid underwriting delays.
February 28
12:00 PM - 2:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 3
6:00 PM - 8:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 5
6:00 PM - 8:00 PM
7104 Laird St, Panama City Beach
Checking availability...
$20 refundable reservation • Returned at check-in • Limited seating
Program Overview
- Reduced interest rate mortgage options
- Down payment and closing cost assistance
- Typically requires 640+ credit score
- Must use an approved Florida Housing lender
Bond Money (Upcoming Opportunity)
Florida Housing bond funds are expected to be replenished around February, creating additional assistance opportunities.
Buyers who prepare early are best positioned when funds are released.
What We Cover at the Seminar
- Florida Housing structure vs local programs
- Credit score thresholds (what 640 changes)
- Timing considerations and funding cycles
- Common underwriting misconceptions that slow buyers down
Ready to learn the structure and next steps?
Reserve a seat to get a clear overview of Florida Housing programs, lender requirements, and how to sequence them with Bay County options for maximum benefit.
February 28
12:00 PM - 2:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 3
6:00 PM - 8:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 5
6:00 PM - 8:00 PM
7104 Laird St, Panama City Beach
Checking availability...
$20 refundable reservation • Returned at check-in • Limited seating