If you need assistance, please call 407-440-4900

Down payment assistance program

Receive up to $45,000 towards down payment and closing costs.

Down Payment Assistance Program

Eligibility Criteria:

  • First-time homebuyers may be eligible for up to $45,000 in assistance.
  • The program is designed to help purchase a new or existing home.

Who Qualifies:

  • Individuals who have not owned a home in the past three years, with some exceptions.

Income Requirements:

  • Annual income must fall within specified categories.
    • Very Low and Low Income buyers: Contribute the greater of $500.
    • Moderate Income buyers: Contribute the greater of $1,000.
  • Minimum middle credit score of 620.
  • Program available for Orange County residents.
  • Buyers must have established residency over the last 12 consecutive months in Orange, Osceola, Lake, Polk Seminole, Volusia, or Brevard Counties.
  • Must have the legal right to permanently reside in the United States.

How to Get Started:

  1. Attend an approved Homebuyer Educational Seminar from one of the following agencies:
  2. Contact a lending institution to obtain a loan commitment and qualify for a first mortgage.
  3. Find a home within the sales price limits and your pre-approved loan amount.
  4. Submit the application online: Orange County Online Portal

Eligible Properties:

  • Maximum sales price for new and existing homes is $300,000.
  • Single-family homes, condominiums, townhouses, and modular homes are eligible.
  • Mobile homes are not eligible.

Loan Conditions:

  • Funding is used for qualified closing costs and down payment associated with purchasing a home.
  • Homebuyer Assistance must be repaid if the property is sold, rented, refinanced, or not occupied during the lien period.
  • It is a 10-year deferred payment loan, forgiven annually.


*By clicking "Submit" you are expressly consenting, in writing, to receive telemarketing and other messages, including artificial or prerecorded voices, via automated calls or texts from viewhousesinflorida.com at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply, frequency varies. Text HELP for help or STOP to cancel. More details in Terms of Use and Privacy Policy.