Florida Hometown Heroes Program

Down Payment and Closing Cost Assistance to First-Time Homebuyers with a Qualifying Frontline Hero Occupation.

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

  • Must have a qualifying frontline occupation

  • There are income and purchase price limits

  • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) 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.
  • You must be an eligible frontline worker.
  • You must be a first-time homebuyer.

What is considered an eligible occupation to qualify for the Florida Hometown Heroes Program?

Here is a full list of job titles/job positions to see if you qualify:

  • Sworn Law Enforcement Officer
  • Certified Correction Officer
  • Correctional Probation Officer
  • Law Enforcement Officers eligible under the Law Enforcement Recruitment Bonus Payment Program
  • Sworn Law Enforcement Officer
  • Certified Correction Officer
  • Correctional Probation Officer
  • (Federal Officer Examples)
  • FBI
  • US Dept. of Homeland Security
  • US Marshals Service, US Drug Enforcement Administration
  • Bureau of Alcohol, Tobacco & Firearms
  • US Immigration & Customs Enforcement
  • Juvenile Detention Officer
  • Juvenile Probation Officer
  • Firefighter
  • Certified Paramedic
  • Certified Emergency Medical Technician (EMT)
  • 911 Public Safety Communicator
  • Certified K-12 Educators (Public, Charter Schools) to include:
  • Classroom Teacher
  • Career Specialist
  • Librarian/Media Specialist
  • School Counselor
  • Social Worker
  • School Psychologist
  • (Private school educators, as reflected above, are eligible with certification from FL Department of Education.)
  • Licensed or Registered Childcare Operator (Owner of Childcare Facility)
  • Childcare Instructor (employed by a LICENSED childcare facility or LICENSED or REGISTERED home childcare provider)
  • Registered Nurse (RN)
  • Licensed Practical Nurse (LPN)
  • Advanced Practice Registered Nurse (APRN)
  • Certified Registered Nurse Anesthetist
  • Clinical Nurse Specialist
  • Certified Nurse Midwife
  • Certified Nursing Assistant (CNA)
  • Home Health Aide (employed by a LICENSED home health agency)
  • Health Care Practitioner to include:
  • Physician
  • Physician Assistant
  • Anesthesiologist
  • Anesthesiologist Assistant
  • Psychiatrist
  • Certified Medical Assistant
  • Acupuncturist
  • Osteopathic Physician
  • Chiropractic Physician
  • Podiatric Physician
  • Certified Podiatric X-Ray Assistant
  • Naturopathic Physician
  • Pharmacist
  • Nuclear Pharmacist
  • Pharmacy Technician
  • Dentist
  • Dental Hygienist
  • Dental Assistant
  • Speech Language Pathologist or Audiologist
  • Speech-Language Pathology Assistant or Audiologist Assistant
  • Nursing Home Administrator
  • Occupational Therapist
  • Occupational Therapist Assistant
  • Occupational Therapist Aide
  • Certified Respiratory Therapist
  • Registered Respiratory Therapist
  • Licensed Dietician or Nutritionist
  • Licensed Nutrition Counselor
  • Registered Dietician or Nutritionist
  • Dietetic Technician
  • Athletic Trainer
  • Prosthetist
  • Orthotist
  •  Prosthetist Orthotist
  • Pedorthist
  • Prosthetist
  • Orthotic Fitter
  • Orthotic Fitter Assistant
  • Electrologist
  • Massage Therapist
  • Clinical Laboratory Personnel to include:
  •  Laboratory Director
  • Supervisor
  • Technologist
  • Blood-Gas Analyst
  • Laboratory Testing Technician
  • Phlebotomist
  • (employed as a full-time phlebotomist and has successfully completed an accredited phlebotomy course)
  • Licensed Medical Physicist (Radiologic)which works with diagnostic application and safe use of x-rays, ultrasonic radiation or magnetic fields.
  • Certified Basic X-Ray Machine Operator
  • Certified Radiologic
  • Technologist
  • Certified Radiology Assistant
  • Certified General Radiographer
  • Specialty Technologist (Radiologic)
  • Genetic Counselor
  • Optician
  • Optician Apprentice
  • Certified Optometrist
  • Hearing Aid Specialist
  • Hearing Aid Specialist Trainee
  • Physical Therapist
  • Physical Therapist Assistant
  • Psychologist
  • School Psychologist
  • Clinical Social Worker
  • Marriage & Family Therapist
  • Mental Health Counselor
  • Child Protective Services’ Enforcement
  • Adult Protective Services’ Enforcement
  • Veterinarian
  • Veterinarian Assistant or Technician
  • *(employed by a permanent or mobile veterinary practice)
  • Assistant Public Defender
  • Assistant State Attorney
  • Assisted Living Facility Administrator
  • Active Military Personnel
  • Veterans

In addition to the occupations listed above, there are 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 $472,030.00 $726,200.00 $122,850.00
Baker $526,700.00  $726,200.00 $121,800.00
Bay $472,030.00  $726,200.00 $118,950.00
Bradford $472,030.00  $726,200.00 $118,950.00
Brevard $472,030.00  $726,200.00 $121,800.00
Broward $557,750.00  $726,200.00 $136,050.00
Calhoun $472,030.00  $726,200.00 $118,950.00
Charlotte $472,030.00  $726,200.00 $118,950.00
Citrus $472,030.00  $726,200.00 $118,950.00
Clay $526,700.00  $726,200.00 $118,950.00
Collier $672,750.00  $726,200.00 $141,450.00
Columbia $472,030.00  $726,200.00 $118,950.00
De Soto $472,030.00  $726,200.00 $118,950.00
Dixie $472,030.00  $726,200.00 $118,950.00
Duval $526,700.00  $726,200.00 $118,950.00
Escambia $472,030.00  $726,200.00 $118,950.00
Flagler $472,030.00  $726,200.00 $118,950.00
Franklin $472,030.00  $726,200.00 $118,950.00
Gadsden $472,030.00  $726,200.00 $121,800.00
Gilchrist $472,030.00  $726,200.00 $122,850.00
Glades $472,030.00  $726,200.00 $118,950.00
Gulf $472,030.00  $726,200.00 $118,950.00
Hamilton $472,030.00  $726,200.00 $118,950.00
Hardee $472,030.00  $726,200.00 $118,950.00
Hendry $472,030.00  $726,200.00 $118,950.00
Hernando $472,030.00  $726,200.00 $123,150.00
Highlands $472,030.00  $726,200.00 $118,950.00
Hillsborough $472,030.00  $726,200.00 $123,150.00
Holmes $472,030.00  $726,200.00 $118,950.00
Indian River $472,030.00  $726,200.00 $119,850.00
Jackson $472,030.00  $726,200.00 $118,950.00
Jefferson $472,030.00  $726,200.00 $121,800.00
Lafayette $472,030.00  $726,200.00 $118,950.00
Lake $472,030.00  $726,200.00 $124,350.00
Lee $472,030.00  $726,200.00 $120,600.00
Leon $472,030.00  $726,200.00 $121,800.00
Levy $472,030.00  $726,200.00 $118,950.00
Liberty $472,030.00  $726,200.00 $118,950.00
Madison $472,030.00  $726,200.00 $118,950.00
Manatee $506,000.00  $726,200.00 $129,450.00
Marion $472,030.00  $726,200.00 $118,950.00
Martin $500,250.00  $726,200.00 $120,000.00
Miami-Dade $557,750.00  $726,200.00 $146,250.00
Monroe $874,000.00 $874,000.00 $153,750.00
Nassau $526,700.00  $726,200.00 $118,950.00
Okaloosa $603,750.00  $726,200.00 $131,850.00
Okeechobee $472,030.00  $726,200.00 $118,950.00
Orange $472,030.00  $726,200.00 $124,350.00
Osceola $472,030.00  $726,200.00 $124,350.00
Palm Beach $557,750.00  $726,200.00 $138,000.00
Pasco $472,030.00  $726,200.00 $123,150.00
Pinellas $472,030.00  $726,200.00 $123,150.00
Polk $472,030.00  $726,200.00 $118,950.00
Putnam $472,030.00  $726,200.00 $118,950.00
Santa Rosa $472,030.00  $726,200.00 $118,950.00
Sarasota $472,030.00  $726,200.00 $129,450.00
Seminole $472,030.00  $726,200.00 $124,350.00
St. Johns $472,030.00  $726,200.00 $118,950.00
St. Lucie $500,250.00  $726,200.00 $120,000.00
Sumter $472,030.00  $726,200.00 $118,950.00
Suwanee $472,030.00  $726,200.00 $118,950.00
Taylor $472,030.00  $726,200.00 $118,950.00
Union $472,030.00  $726,200.00 $118,950.00
Volusia $472,030.00  $726,200.00 $118,950.00
Wakulla $472,030.00  $726,200.00 $118,950.00
Walton $603,750.00  $726,200.00 $118,950.00
Washington $472,030.00  $726,200.00 $118,950.00

The Florida Hometown Heroes Program is our way of saying “Thank You For Your Service”!

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.
  3. You can own a mobile home but it must be on a rented lot or land and still qualify as a first-time homebuyer.

You must be actively licensed/certified in one of the approved occupations or an approved veteran/active duty status.

These approved Florida Hometown Heroes occupations and approved veteran/active duty status are all listed above.

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 $25,000).

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.

My experience with AAA capital was amazing !  They made the process of obtaining financing for a mortgage very easy and simple. Ileana and Jason were always available for questions when needed. I got a great interest rate and also received assistance with my closing cost.  I would definitely recommend AAA capital to anyone looking for financing to purchase a home.

L. Ledgister

AAA Capital Funding Inc. is the best mortgage company I have ever worked with. They are very professional, not to mention making my clients feel right at home after speaking to them. AAA returns phone calls and emails in a timely manner. Jason is very professional, he really knows his job, he goes above and beyond to make your deals happen with the lowest possible rates there is. Jason is always there for you, even on his days off. 🙂 Lets just say if you’re looking for mortgages look no more AAA Funding Inc. is the one.

J. Smith

I used AAA Capital Funding as my mortgage lender to purchase my first home. They had the best interest rate and they also helped me with the closing costs. I am very happy with the service I was provided and they were very patient with me.
Highly recommended mortgage lender

R. Moreno

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