Florida Housing Finance Corporation (FHFC) FL Assist DPA

Special Alert

Maximum Purchase Price


Contact Info:



Buyer must be a first-time home buyer unless an eligible veteran exemption applies. Borrower(s) must not exceed the maximum Income Limit requirements, adjusted for household size, for the county in which the property is being purchased. All loans must adhere to a 60-day delivery timeline. Income limits in the Coverage Area section is the TBA FL First, HFA Preferred and HFA Advantage limits. Lenders must verify in the program guides if borrowers income does qualify based on the actual FHFC 1st Mortgage program selected. Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Liberty, Taylor, Wakulla and Washington counties may not be used in conjunction with TBA programs.

Credit Score Requirements

Minimum Credit Score: 640 Based on 1st mortgage requirements.

Deferred Payments?

Yes, for 30 years

Accepted First Mortgage Type:

Freddie Mac HFA Advantage, Fannie Mae HFA Preferred, FHA 203(b), VA, USDA / RD

Homeowners Education Class:


Is Forgivable?


67 Counties Available statewide in Florida.

Income Limitations:

Yes, based on Compliance Income Income limits from Agency-defined 2022 guidelines

Maximum Assistance

$10,000 0%, non-amortizing, 30-year deferred second mortgage.

Education Requirements Info:

The course must meet standards defined by HUD or the National Industry Standards for Homeownership Education and Counseling. Lender must retain a copy of the certificate of course completion in the loan file. Examples of acceptable courses include: Freddie Mac CreditSmart Homebuyer U Essent Homebuyer Education Radian MI-HomeTrek Arch MI Fannie Mae Framework Any HUD Approved Counseling Course Whatever option is chosen, the course must provide a certificate and be completed prior to closing. All borrowers must complete the training and be listed on the certificate. You must also follow the appropriate agency (FHA, VA, USDA, FNMA, or FHLMC) guidelines as well.

Eligible Property Types:

Single Family DetachedCondo Townhome/PUDManufactured Home Modular Home

Income By Household Size:

HH1-2HH3-8 $117,875$123,000 *Income limits as of 05/03/2023

Qualifying Ratios:

Based on 1st mortgage guidelines.
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