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.
March 22
2:00 PM - 4:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 24
6:00 PM - 8:00 PM
7104 Laird St, Panama City Beach
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March 28
12:00 PM - 2:00 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.
How expensive a house can I buy?
- Run real number with local lenders to see how expensive a house you can buy
- Credit score thresholds
- 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.
March 22
2:00 PM - 4:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 24
6:00 PM - 8:00 PM
7104 Laird St, Panama City Beach
Checking availability...
March 28
12:00 PM - 2:00 PM
7104 Laird St, Panama City Beach
Checking availability...
$20 refundable reservation • Returned at check-in • Limited seating