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