At Robert Michael & Co. Real Estate Team, we are excited to share some great news for Florida’s hardworking frontline and essential workers: the Hometown Heroes Housing Program has officially reopened! This initiative is designed to make homeownership more accessible by offering much-needed financial assistance with down payments and closing costs.

What’s New This Year?

Thanks to the advocacy of Florida Realtors®, the program has received an additional $50 million in funding during the most recent legislative session. This means more qualified Floridians will now have the chance to benefit.

Eligible applicants can receive up to 5% of their first mortgage loan amount, with a minimum of $10,000 and a maximum of $35,000. The funds can be applied directly toward down payments and closing costs, removing one of the biggest barriers many families face when buying their first home.

Who Is Eligible?

This program is designed specifically for Florida’s frontline and essential workers, as well as service members and veterans. Applicants must be first-time homebuyers and employed full-time by a Florida-based employer. Occupations include:

• Health care workers

• School staff members

• First responders (law enforcement, fire, EMT)

• Public safety and court employees

• Childcare workers

• U.S. military service members, Coast Guard, Florida National Guard, and reserves

• Veterans employed full-time in Florida

This year, first responders and other critical service roles will be prioritized to ensure these heroes have access to the funds before they run out.

Why This Program Matters

Saving for a down payment is one of the largest challenges buyers face, especially in today’s competitive housing market. The Hometown Heroes Housing Program helps bridge that gap, giving essential workers the opportunity to achieve the dream of homeownership while remaining in the communities they serve.

How to Take Advantage

Applications are open now and are reviewed on a first-come, first-served basis. If you think you may qualify, don’t wait. Here’s how to get started:

1. Confirm your eligibility and occupation.

2. Connect with a participating lender.

3. Gather your documents (employment verification, income records, etc.).

4. Submit your application as soon as possible — before funding runs out!

👉 See the full list of approved occupations here.

Our Commitment to You

With over 30 years of experience and more than 3,000 homes sold, Robert Michael & Co. Real Estate Team is here to guide you through every step of the process. From determining eligibility to navigating the application and closing process, our team is committed to making homeownership possible for Florida’s heroes.

📞 Contact us today at 407-545-2272 or visit www.robertmichael.com to learn more and get started.