How much do I need for a down payment on my first home?

Often less than you'd think. Many first-time buyers qualify with low-down or even $0-down programs — VA and USDA can be zero down for those who qualify, FHA is typically a low down payment, and Conventional has low-down first-time options. We show you the exact numbers for your situation in writing before you apply.

Is there down payment assistance for first-time buyers in Florida?

Yes. Florida's Hometown Heroes program can provide up to $35,000 toward your down payment and closing costs for eligible full-time Florida workers. We'll tell you whether you qualify and which path fits best.

What credit score do I need to buy my first home?

It varies by program, and there are flexible options for lower scores. Tell us where your credit stands and we'll map the best route — and a simple plan to strengthen it if needed.

What if I'm not ready yet?

That's perfectly fine. We'll give you a simple, no-pressure plan and check in when you're ready. Getting started takes no SSN and no credit pull.

★ First-time homebuyers

Your first home, made simple.

Buying your first home shouldn't feel overwhelming — or trap you in decades of debt. We explain every step in plain language, find the low-down and $0-down paths you qualify for, and put your numbers in writing.

Low-down and $0-down programs
Up to $35,000 in Hometown Heroes assistance, if eligible
A debt-smart plan, not just an approval
No jargon, no pressure, no credit pull to start

Takes about a minute Step 1 of 5

Where are you in your home search?

No wrong answer — this just helps us help you.

How much have you saved for a down payment?

Many first-time buyers need less than they expect.

Are you a full-time Florida employee?

If so, you may qualify for Hometown Heroes down payment help.

Where are you hoping to buy?

Your city or ZIP helps us check local programs.

No SSNNo credit pull100% free

Where should we send your plan?

We'll send a simple, honest first-home plan — your low-down options and any assistance you may qualify for. No pressure.

Ways in

More paths to your first home than you think

💵

Low & $0 down

VA and USDA can be $0 down for those who qualify; FHA is typically low down; Conventional has low-down first-time options.

🎖️

Down payment assistance

Florida's Hometown Heroes can add up to $35,000 toward your down payment and closing costs if you're eligible.

📚

We teach, not just sell

You'll understand every step — credit, budget, and the debt-smart way to own your first home.

The debt-smart way

Own your first home — and owe nothing else

Most lenders just get you approved. We think your first home should be the start of financial freedom, not decades of debt. We'll show you what you qualify for, what it really costs, and how to own it faster.

What you can count on

Your real options in writing, before you ever apply
A clear monthly number you're comfortable with — no surprises
A simple credit and savings game plan if you're not quite ready
Our Refi Warranty: if rates drop after we help you, we cover the lender fees

Start my first-home plan

"Your first home should start your freedom — not decades of debt."

Good to know

First-time buyer questions

How much down payment do I really need?

Often less than you think — many buyers qualify for low-down or $0-down programs. We show you the exact figures for your situation in writing.

Is there free down payment help?

Yes — Florida's Hometown Heroes can provide up to $35,000 for eligible full-time Florida workers. We'll tell you if you qualify.

My credit isn't perfect. Can I still buy?

Often yes. There are flexible options, and we'll give you a simple plan to strengthen your file if needed.

Will this hurt my credit?

No. Getting started takes no SSN and no credit pull.

Let's make your first home happen.

Answer a few quick questions and we'll send a simple, honest plan — no jargon, no pressure.

Get my first-home plan Call (407) 616-3433