Down Payment Assistance Programs in Ocala & Central Florida
Florida programs that bring homeownership within reach
Florida offers some of the most helpful down payment assistance programs in the country --- and buyers in Marion County and Citrus County can take full advantage. Programs like Florida Housing's Hometown Heroes, Florida Assist, and HFA Preferred, plus local SHIP funds, can provide thousands toward your down payment and closing costs. These programs pair with FHA, VA, USDA, and conventional loans, and Loni knows how to layer them correctly.
What to know about Down Payment Assistance loans
- Assistance available for down payment and closing costs
- Programs for first-time buyers, essential workers, and moderate-income households
- Can be combined with FHA, VA, USDA, and conventional loans
- Some assistance is forgivable or deferred --- not always a monthly payment
- Local SHIP funds may be available in Marion and Citrus County
Who down payment assistance loans serve best
- Buyers with steady income but limited savings
- Teachers, nurses, first responders, and other essential workers
- First-time buyers in Marion and Citrus County
- Anyone who wants to keep cash reserves after closing
Down Payment Assistance loan questions
Have a question about down payment assistance programs? Call or text Loni at 352-598-1843.
All loan programs are subject to qualification, underwriting approval, and program availability.
Do I have to repay down payment assistance in Florida?
What is the Hometown Heroes program?
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Wondering if a down payment assistance loan fits you?
Loni will review your situation and compare every program you qualify for --- with real numbers, side by side.