Florida Hometown Heroes Program
Down Payment and Closing Cost Assistance to First-Time Homebuyers.
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.
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.
- You must have not owned a home in the past three years as your primary residence.
- 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.
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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.
