Down Payment Assistance

Florida Hometown Heroes and other down payment assistance programs — grants, deferred seconds, and local DPA options with Coastal Community Finance.

Zack Bolan, Broker / Owner

Coastal Community Finance

Phone: (941) 705-1260

Email: [email protected]

NMLS# 1154530

Company NMLS# 1823048

Licensed in: FL, GA

Down Payment Assistance

Florida Hometown Heroes and other down payment assistance programs — grants, deferred seconds, and local DPA options with Coastal Community Finance.

Down payment help that actually fits your file.

Florida Hometown Heroes

How Hometown Heroes works

Is Hometown Heroes a fit?

More ways to close with less cash up front.

From eligibility screen to funded closing.

Grant, deferred, or repayable?

Asked on almost every assistance call.

Wondering if Hometown Heroes or another DPA fits?

Loan Programs → Down Payment Assistance

Cash at closing is often the real hurdle — not the monthly payment. Our team maps Florida Hometown Heroes and other down payment assistance programs to your income, occupation, and purchase plans so you know what is available before you shop.

Featured Florida program

Hometown Heroes helps eligible Florida essential workers and first-time buyers cover down payment and closing costs with a deferred second mortgage — often interest-free until you sell, refinance, or pay off the first loan.

Quick check

• First-time buyer under program rules (often no ownership in the prior 3 years)

• Eligible Florida essential-worker occupation

• Income and purchase price within current caps

• Willing to complete homebuyer education

• Buying a primary home that meets property guidelines

Hometown Heroes terms, award amounts, and eligible occupations are set by Florida Housing Finance Corporation and can change. This overview is educational — not a commitment to lend or a guarantee of program funds.

Other DPA programs

Hometown Heroes is one path. We also screen state HFA options, local assistance, and conventional first-time products that reduce cash needed at the table.

How we help

Compare the help

Hometown Heroes is typically a deferred second. Always read the note and deed of trust for your specific award.

DPA questions

Tell us your occupation, rough income, and where you want to buy. Our team will screen current programs and map a realistic cash-to-close plan.

Steady purchase, investor, renovation, and refinance lending for coastal communities — with clear numbers and one point of contact.

Explore

Programs

Contact

Mon–Fri 8–6 · Sat 9–1

© . All rights reserved. This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Down payment assistance availability, award amounts, and terms are subject to change and funding.