Florida Assist

Florida Assist Loans are zero percent interest, non-amortizing second mortgage loans, which means you do not make any monthly payments. You repay the loan if you sell the home, transfer ownership, satisfy or refinance the first mortgage, or cease to occupy the home.

The Florida Assist Loan provides up to $10,000 to assist with down payment and closing costs. This program targets applicants whose incomes are at or below 100% of the Area Median Income (AMI).*

Homeownership Assistance for Moderate Income (HAMI) Loan

The HAMI Loan Program enables borrowers with moderate incomes to qualify for down payment and closing cost assistance. HAMI Loans provide up to $5,000 for down payment and/or closing costs. HAMI is an amortized loan over 10 years that is offered at a 5% fixed rate.

You may qualify for this loan if your income exceeds the limits for the Florida Assist Loan, but does not exceed the Maximum Annual Income Limits for the First Time Homebuyers Program. ($84,960 for 1 or 2 person households, $99,120 for households with 3 or more persons) Check the FHFC website First Time Homebuyer Wizard for current details.

* 100% AMI for Collier County