Open
Florida Hometown Heroes
Up to $35,000 (5% of loan)
0%, no monthly payment. For full-time Florida workers.
Homebuyer Assistance Programs on the Treasure Coast
Many Florida buyers qualify for help and never find out. Here is what is available right now.
This program applies to homes purchased in Florida.
Last updated: October 2026
- Maximum Hometown Heroes help
- $35,000
- Maximum FL Assist help
- $10,000
- Interest on most programs
- 0%
A few things to know
- Most help is a second mortgage, not a grant
- Many have no monthly payment and are repaid when you sell or refinance
- Some programs can be combined, so ask before you pick a lender
Statewide programs
Open
Florida Assist (FL Assist)
Up to $10,000
0%, no monthly payment.
Open
Florida Homeownership Loan Program
FL HLP
Up to $10,000
Low interest with a small monthly payment.
FL Assist vs. FL HLP
| Program | FL Assist | FL HLP |
|---|---|---|
| Amount | Up to $10,000 | Up to $10,000 |
| Interest | 0% | 3% |
| Monthly payment | None | About $69 |
| Forgiven? | No | No |
Monthly payments shown are for the assistance loan only, principal and interest. Property taxes and insurance are not included.
You can use only one Florida Housing program per purchase. Local county or city help can sometimes be added on top.
Local programs by area
2 programs open now
- Open
772-467-3161
City of Fort Pierce Home Purchase Assistance
St. Lucie County
0% deferred second mortgage. Home must be inside Fort Pierce city limits. Mandatory orientation required.
Opened October 1, 2026. First come, first served.
- Open
Indian River County SHIP Purchase Assistance
Indian River County
Deferred loan, no monthly payment, for income-eligible households.
Open through June 30, 2027 or until funds run out. Appointments only.
- Check Status
772-344-4084
City of Port St. Lucie SHIP Purchase Assistance
St. Lucie County
No open round right now. Call Neighborhood Services for the next opening.
- Check Status
Martin County SHIP
Martin County
Currently focused on home repairs and rental help, not purchase assistance.
- Closed
St. Lucie County (unincorporated areas)
St. Lucie County
Not currently accepting applications.
Program status changes often. Call to confirm before applying.
Habitat for Humanity
For income-eligible households. Buyers help build homes (sweat equity), take homeownership classes and receive an affordable mortgage. Affiliates serve St. Lucie, Indian River and Martin counties.
Ask about combining assistance
Hometown Heroes plus local help can cover most of your down payment.
Hometown Heroes plus a local program can cover most or all of the down payment and closing costs on a moderately priced home. Ask your lender if you qualify for both.
How to get started
-
Talk to Pete & Kate about your goals and area
-
Get pre-approved with a Florida Housing participating lender
-
Take a homebuyer education class if your program requires one
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Find your home and get under contract
-
Your lender reserves the funds and you close
Frequently asked questions
Avoid scams
There is no fee to apply for these programs. Anyone charging you for access is not legitimate.
Not sure which program fits you?
We will help you sort it out.
Talk to Peter and Kate.
REMAX Gold
Program terms, funding and availability change often and are set by each agency. Pete & Kate are Realtors, not lenders. Confirm current details with the program or a participating lender.