Yes! Florida offers several special loan programs designed specifically for first-time home buyers. The Florida Hometown Heroes Program provides up to $35,000 in down payment assistance for qualified public servants. FHA loans are also popular because of their low credit score and down payment requirements. Additionally, USDA loans offer zero down payment options in eligible rural areas. Many lenders in Florida also offer local down payment assistance and grants. Exploring these programs can significantly reduce your upfront costs and make homeownership more accessible.
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