For Southwest Florida First-Time Buyers

Down payment help is real.Get ready before it runs out.

Florida Hometown Heroes can put thousands toward your down payment and closing costs — but the funding is first-come, first-served. Let's get you prepared and pre-approved so you're ready when it counts.

Over $20 million available now for 2026 Hometown Heroes (as of August 2026) · Check status →

See if you're ready How it works

Serving Fort Myers · Cape Coral · Naples · Bonita Springs · Estero · Lehigh Acres & Beyond

The path to your first home

Getting ready is the whole game.

Assistance programs open and close fast, and they run out. Buyers who did the prep work first are the ones who actually get the help. Here's how we get you there.

01 — GET READY

Know your numbers

We look at your credit, budget, and savings, and make a simple plan to close any gaps — so you're a strong, ready buyer, not a maybe.

02 — GET PRE-APPROVED

Be ready to move

A real pre-approval means when the right home and the funding line up, you can act immediately instead of scrambling to catch up.

03 — USE THE ASSISTANCE

Put the help to work

When you're ready, we pair your loan with the down payment assistance you qualify for and get you to the closing table.

Run your numbers

What might a home actually cost?

Two quick tools: estimate the monthly payment on a home you have in mind, or get a rough sense of the price range to aim for. Everything here is an estimate for learning — not a quote, an approval, or a rate offer.

The clearest numbers come from a real conversation, where we pull the current programs and figures together — no guesswork.

Home price

Down payment

Loan term

Interest rate — enter the rate you've been quoted

Property tax /yr

Home insurance /yr

HOA dues /mo (if any)

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Estimated monthly payment

Principal & interest—

Property tax—

Home insurance—

Est. mortgage insurance (PMI)—

Total monthly—

The pre-filled figures are illustrative placeholders — no interest rate, APR, or payment is offered or implied; enter your own numbers. Estimates for education only. Not a commitment to lend, a pre-approval, or a guarantee of any terms. Actual figures depend on the full file, the property, and current program guidelines.

Disclaimer: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator.

Florida Hometown Heroes

Real help for the people who serve their community.

Hometown Heroes helps eligible Floridians — typically full-time workers in fields like healthcare, K-12 education, first responders, public safety, court, and child care, plus active-duty military and veterans, employed by a Florida employer — with down payment and closing costs. Eligible fields and rules are set by the program and change between cycles, so we confirm the current terms and your eligibility together before anything's promised.

Over $20 million available in 2026 Hometown Heroes down payment assistance (as of August 2026) — first-come, first-served, and amounts change. Check current status →

Hometown Heroes is a deferred second mortgage that helps with down payment and closing costs and pairs with an FHA, VA, USDA, or conventional first mortgage. The amounts, county income and purchase-price caps, eligible occupations, and funding availability change every round — and the money runs out. I confirm the current terms and your eligibility together before anything's promised.

Read the full Hometown Heroes guide →

Tell me a little about you and where you're at, and I'll follow up with a simple, honest read on your path to a first home — no full application yet, no hard credit pull, no obligation.

A real plan to get ready and qualify
A real person (me) — not a call center
Your info stays private and is never sold

Feeling ready now? Start your application →

Take the readiness quiz → Book a consult Call me

Let's talk

Let's see how ready you are.

Name

Phone

Credit score range

Closing timeline

Not a loan application, a pre-approval, or a credit decision. No SSN, income documents, or exact credit score are collected here.