Florida offers several down payment and closing cost assistance programs through the Florida Housing Finance Corporation, and many Palm Beach County municipalities offer their own local assistance as well.
These programs typically come in the form of a second mortgage or forgivable loan that covers part of your down payment or closing costs, often in exchange for staying in the home for a set number of years.
Eligibility usually depends on income limits, purchase price limits, and whether you're a first-time buyer — though some programs are open to repeat buyers too. Requirements and funding availability change, so I connect every buyer with a local lender who can confirm current program details before we start shopping.