Florida Homebuyers Outreach Program Direct Closing Cost Credits on Your Home Purchase
How to offset closing costs and prepaid escrows with direct lender credits applied on your settlement statement.
Credit Towards Your Closing Costs From Us on Florida Purchases
Between property insurance reserves, county transfer fees, and title charges, Florida closing costs can add up. This program applies a certified credit directly on your Closing Disclosure to lower your total out-of-pocket cash requirements.
Direct Line-Item Credit: Applied directly to Section J of the closing statement at settlement. Offsets eligible lender, title, and prepaid escrow charges.
Stackable With Seller Concessions: The credit can be paired with seller-paid buy-downs or closing contributions up to statutory Fannie Mae, Freddie Mac, and FHA caps.
Primary, Secondary, and Investment: Available for qualifying residential purchase transactions across Conventional, FHA, and VA loan programs statewide.
You Deal With the Same Person From Start to Finish
AAA Capital Funding was established in 1997. We originate residential mortgages across Florida through wholesale channels to find the most competitive pricing available.
When you call our office, you speak directly with me. You will work with the same person on your loan from your initial scenario through your closing date.
Impact of Closing Cost Credits on Cash-to-Close
Estimated cash requirement comparison on a $450,000 purchase price with 3.5% down ($15,750 down payment).
| Financing Structure | Down Payment | Closing Costs & Escrows | Lender Settlement Credit | Total Cash to Close |
|---|---|---|---|---|
| Standard Retail Bank Loan | $15,750 | $14,200 | $0 | $29,950 |
| Homebuyers Outreach Program | $15,750 | $12,000 | -$4,500 Credit | $23,250 ($6,700 Saved) |
| Outreach + Seller Credit | $15,750 | $12,000 | -$9,500 Combined | $18,250 ($11,700 Saved) |
Florida Homebuyers Outreach Program: Frequently Asked Questions
What is the Homebuyers Outreach Program?
The Homebuyers Outreach Program provides a direct lender credit applied against third-party settlement costs on Florida residential purchase loans. It reduces the total funds required to close without creating subordinate financing, secondary liens, or resale restrictions.
What closing costs can this credit be applied toward?
Credits can be applied toward lender fees, settlement/title charges, recording fees, intangible taxes, and pre-paid escrow expenses including initial homeowners insurance and property tax reserves.
Does this program require repayment if I sell or refinance?
No. This is an upfront lender/broker credit applied at settlement, not a silent second mortgage or state grant program. There are no recapture periods, repayment terms, or shared equity provisions.
Calculate Your Available Closing Credit
Send us your target purchase price and Florida county and we'll calculate your exact settlement credit options with you.
Start with a question, not an application.
You don't need a preapproval to ask, and you don't need perfect credit to start. Call 888-601-8344 or text 954-816-8820 and tell me where you are. If the honest answer is not yet, I'll tell you what to fix and roughly how long it takes. One call, under ten minutes. No application, no credit pull.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700