Florida Hometown Heroes Housing Program The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers by providing down-payment and closing-cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in their communities. Eligible borrowers can receive up to 5% of the total loan amount (maximum of $25,000) in the form of a 0%, non-amortizing, 30-year deferred second mortgage. HOW TO QUALIFY: STEP 1: Are you a first-time homebuyer? STEP 2: Are you currently employed full time in one of the eligible occupations? See the list at tinyurl.com/FL-hometown-heroes STEP 3: Contact a Realtor¨ to help secure your down-payment assistance. STEP 4: Your Realtor will connect you with an approved loan officer. Learn more about the Florida Hometown Heroes Housing Program at floridahousing.org/hometownheroes Source: Florida Housing