Florida Hometown Heroes Program

Down Payment and Closing Cost Assistance to First-Time Homebuyers.

AAA Capital Funding - Florida Hometown Heroes

We will help you get into your dream home because we offer a full array of mortgage products to fit your needs. This section is here to help you understand the Florida Hometown Heroes Program. AAA Capital Funding offers the Florida Hometown Heroes Program to qualified individuals.

The Florida Hometown Heroes Program is available from us on all loan types including FHA, Conventional, VA, and Non-Conventional mortgages.

Ask us how you can benefit by working with us on your home purchase.

  • Must be a first-time homebuyer

  • As of July 1st, 2023, you just have to be a full-time employee that is employed by a Florida-based employer.

  • There are income and loan amount limits

  • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

  • Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.

 Florida Hometown Heroes Quick Facts

Minimum Score 640
Maximum Debt Ratio 50%
Minimum Down Payment 0% (if VA)
Pre-Payment Penalty No

Contact Us

Local: 954-390-7994

Toll Free: 1-888-601-8344

Florida Hometown Hero Requirements

There are several requirements needed for the Florida Hometown Heroes Program but the main ones to keep in mind are listed here:

  • The minimum credit score needed in order to be eligible for the Florida Hometown Heroes Program from us is 640.
  • As of July 1st, 2023, you just have to be a full-time employee that is employed by a Florida-based employer.
  • You must be a first-time homebuyer. There are also income limits and loan amount limits for the Florida Hometown Heroes Program as well.

Here is a list of the counties in Florida and their loan amount and income limits to see if you qualify:

2023 FL 2023 FL 2023 FL
Hometown Hometown Hometown
Heroes FHA Heroes Heroes
& USDA Loan Conventional and Income
Limits VA Loan Limits Limits
Alachua $472,030 $726,200 $130,050
Baker $526,700  $726,200 $129,000
Bay $472,030  $726,200 $128,250
Bradford $472,030  $726,200 $128,250
Brevard $472,030  $726,200 $129,000
Broward $557,750  $726,200 $144,000
Calhoun $472,030  $726,200 $128,250
Charlotte $472,030  $726,200 $128,250
Citrus $472,030  $726,200 $128,250
Clay $526,700  $726,200 $132,750
Collier $672,750  $726,200 $149,700
Columbia $472,030  $726,200 $128,250
De Soto $472,030  $726,200 $128,250
Dixie $472,030  $726,200 $128,250
Duval $526,700  $726,200 $132,750
Escambia $472,030  $726,200 $128,250
Flagler $472,030  $726,200 $128,250
Franklin $472,030  $726,200 $128,250
Gadsden $472,030  $726,200 $129,000
Gilchrist $472,030  $726,200 $130,050
Glades $472,030  $726,200 $128,250
Gulf $472,030  $726,200 $128,250
Hamilton $472,030  $726,200 $128,250
Hardee $472,030  $726,200 $128,250
Hendry $472,030  $726,200 $128,250
Hernando $472,030  $726,200 $130,350
Highlands $472,030  $726,200 $128,250
Hillsborough $472,030  $726,200 $130,350
Holmes $472,030  $726,200 $128,250
Indian River $472,030  $726,200 $128,250
Jackson $472,030  $726,200 $128,250
Jefferson $472,030  $726,200 $129,000
Lafayette $472,030  $726,200 $128,250
Lake $472,030  $726,200 $131,700
Lee $472,030  $726,200 $128,250
Leon $472,030  $726,200 $129,000
Levy $472,030  $726,200 $128,250
Liberty $472,030  $726,200 $128,250
Madison $472,030  $726,200 $128,250
Manatee $506,000  $726,200 $137,100
Marion $472,030  $726,200 $128,250
Martin $500,250  $726,200 $128,250
Miami-Dade $557,750  $726,200 $154,800
Monroe $874,000 $874,000 $162,750
Nassau $526,700  $726,200 $132,750
Okaloosa $603,750  $726,200 $139,650
Okeechobee $472,030  $726,200 $128,250
Orange $472,030  $726,200 $131,700
Osceola $472,030  $726,200 $131,700
Palm Beach $557,750  $726,200 $146,100
Pasco $472,030  $726,200 $130,350
Pinellas $472,030  $726,200 $130,350
Polk $472,030  $726,200 $128,250
Putnam $472,030  $726,200 $128,250
Santa Rosa $472,030  $726,200 $128,250
Sarasota $472,030  $726,200 $137,100
Seminole $472,030  $726,200 $131,700
St. Johns $472,030  $726,200 $132,750
St. Lucie $500,250  $726,200 $128,250
Sumter $472,030  $726,200 $128,250
Suwanee $472,030  $726,200 $128,250
Taylor $472,030  $726,200 $128,250
Union $472,030  $726,200 $128,250
Volusia $472,030  $726,200 $128,250
Wakulla $472,030  $726,200 $128,250
Walton $603,750  $726,200 $128,250
Washington $472,030  $726,200 $128,250

As of July 1st, 2023, you just have to be a full-time employee that is employed by a Florida-based employer.

We want to provide you funds towards your down payment assistance and closing costs for you to purchase a home.

You can use our Down Payment Assistance with any of our first mortgage loans: Conventional, FHA, or VA.

Some of the Florida Hometown Heroes Program requirements are:

First-Time Homebuyer – you must meet the IRS definition of a first-time homebuyer.

  1. You must have not owned a home in the past three years as your primary residence.
  2. As a Veteran, Active Duty, Widow of a deceased Veteran you, are exempt from this requirement.

As of July 1st, 2023, you just have to be a full-time employee that is employed by a Florida-based employer.

The property you purchase must be your new primary residence.

You must not exceed the income and loan limits for the county you plan on buying in.

Credit requirements:

You must meet the credit requirements for the loan type you have chosen to best fit your needs (Conventional, FHA, VA, etc.).

Speak to your AAA Capital Funding loan officer regarding these specific requirements.

Homebuyer education is also required, and we can easily help you complete this requirement.

You will receive 5% of the loan amount in Down Payment Assistance (maximum limit of $35,000).

To speak to an approved loan officer that can help guide you with the Florida Hometown Heroes Program, please call us at (local) 954-390-7994 or (toll-free) 1-888-601-8344. You can also visit our application page to get started: Get Started Here


Learn Tips About Buying a Home.

Ask us about our upcoming homebuyers workshops where you can learn everything you need to know about buying a home and what to expect during the home buying process. We cover all steps of the home buying process from beginning to end. Knowing the information taught in our workshops will make you an informed buyer, and informed buyers get the best interest rates and the best program possible.

What our clients say about their experience.

Don’t Take Our Word for It. Read What Our Customers Have to Say about AAA Capital Funding.

Jeanne BelizaireJeanne Belizaire
01:16 26 Sep 23
Thank for being very cooperative. because of AAA capital findings I am a homeowner. It was my very first experience and was skeptical at first 🤨 but then at the end I realized it was a great experience. I learned a lot in such a short time, Jason is very easy to work with, he’s customer service is a top tier. Looking forward to work with you again in the future. Thank you so much 😊
Nene ThomasNene Thomas
03:42 10 Aug 23
Jasonnnnnnnn! Is The BEST . He communicated with my spouse and I the entire time. Very professional, great communication, worked very fast I closed in about 2 months or less the BEST lender ever! You will NOT be disappointed. Believe every GREAT comment , he is truly AMAZING!
Lustaina HilaireLustaina Hilaire
01:52 04 Aug 23
My Word can Never be Enough to thank You Our journey toward buying our home wasn’t easy, but we got through it with great success because we had you by our side. Thank you for your hard work, patience, and diligence along the wayJason Thank you so much for all of your help! Thank you for going the extra mile for us on every step of our New HomeThank you for all of the hard work you’ve done( I’m in tears now just thinking how long we have come) We are endlessly grateful to have you as our agent and couldn’t be happier with the way everything worked out.We appreciated your patience and expertise. Your insight was extremely valuable to us and I don’t think we could have done this without you. we are so thankful and Grateful for your assistance, patience and expertise.Everytime we feel giving up He will always said Today Not the Day to Give upWe greatly appreciate your dedication It’s been fantastic Working withYou Are The best Jason I thank you from the Bottom of my HeartIf you have friends or family who need help buying a home in the future I highly recommend cause This guy is a Genius
yiolta josephyiolta joseph
20:51 08 Jun 23
It's a miracle, I'm still in shock of how quickly, efficiently, and professional aaa capital funding team were, Jason went above and beyond to help us closed our dream home, Jason is terrific in what he is doing, if you looking for a lender please do yourself a favor, call aaa capital funding,Jason has a solution for you, even when other lender said they can't, no matter what ,Jason will do anything to get you aprove,with no doubt.
Robert McDonaldRobert McDonald
15:43 09 May 23
WOW!! Amazingly I was able to close on a new home in 3 weeks with Jason as my broker and still can't believe how fast it was done. Throughout the process the team work was excellent from start to finish. Loving my new home and will definitely recommend my friends and family. Thanks much!
16:38 25 Apr 23
I thank God for Jason and his team. Jason was very professional, respectful, and easy to communicate with. He collaborated with our realtor. He explained the home-buying process to us and was very honest regarding what to expect from the market. He treated my husband and me like family. We closed in March!!! We are so grateful and glad we used AAA Capital Funding, Inc. for our mortgage needs, thank you, Jason, for your expertise and guidance during the whole process.
13:22 09 Oct 22
I was completely new to the home buying process. I tried preapprovals from known-name banks and was met with high rates and/or low loan amounts. I did some research and was advised to go with a local lender. With that, I did more research and landed on AAA Capital. I am very glad I was able to work with AAA Capital as Jason was fantastic and was able to quote my desired loan amount at 5.9%. In comparison to the previous quotes I received, this was acceptable.My overall experience of the home buying process was straightforward and easy. Going into this knowing nothing, I did not know what to expect, but Jason and my realtor guided me and explained things throughout the process. Jason was always responsive and really easy to communicate with, so I was always learning and aware of what is happening in real-time and what to expect next. I was preapproved in early August and found a house I liked in late August. My offer was accepted, and from there Jason was on point with getting things done. I was able to close at the end of September and can now say I am a homeowner! I have read/heard about negative experiences and how stressful buying a home can be, so I am genuinely grateful for how smooth my home buying experience with AAA Capital was. Thank you again Jason and team.

Make An Appointment

Prefer to visit our office to sit down with a local agent? It’s easy. Just call our office directly or use the form below in order to make an appointment online. Local: 954-390-7994 | Toll Free: 1-888-601-8344