Buy a Home With Little to Nothing Down.
MortgageHouz matches you to every down payment and closing cost assistance program you qualify for — layered on top of an FHA, VA, USDA, or Conventional first mortgage. Serving homebuyers, homeowners, and investors throughout Orlando and the greater Florida market.
Built for Orlando Borrowers Like You
Real scenarios our down payment assistance program is designed to solve for buyers, homeowners, and investors in Orlando, FL.
First-Time Buyers
Limited cash saved for closing? DPA can cover most or all of your down payment and closing costs.
Teachers & Nurses
Hometown Heroes-style programs and profession-based grants stack extra assistance on top of standard DPA.
First Responders
Firefighters, police, and EMS professionals often qualify for enhanced assistance amounts and rate discounts.
Buyers with 580–640 FICO
FHA paired with DPA is typically the most flexible path to approval for credit-challenged buyers.
Growing Families
Move up to a larger home without draining savings — assistance funds can cover the gap.
Buyers Who Haven't Started
Not sure which program fits? We run every scenario and tell you exactly what you qualify for.
Down Payment Assistance — Full Program Details
Guideline highlights for our down payment assistance program available to Orlando, FL borrowers. Final terms are confirmed at pre-qualification based on your specific scenario.
Florida DPA Programs We Match You To
- Florida Assist: up to $10,000 · 0% interest deferred 2nd mortgage
- HLP (Hardest Hit): up to $15,000 forgivable · 5–10 year forgiveness period
- Hometown Heroes: up to 5% of loan amount (typically $15K–$25K) + rate discount for teachers, nurses, first responders and other eligible professions
- County-level programs: up to $35,000+ depending on county and household income
- State + local DPA can often be combined on qualifying programs
MortgageHouz Lender DPA Program Guide
- 3.5% FHA DPA: 580 minimum FICO with AUS approval, or 600 minimum FICO on manual underwrite — 2nd lien can be structured as forgivable (forgiven after 36 consecutive on-time 1st-mortgage payments) or repayable
- 5% FHA DPA: 580 minimum FICO with AUS approval — repayable 2nd lien, fully amortizing over 10 years
- 3.5% FHA Manufactured Home DPA: 620 minimum FICO — repayable 2nd lien over 20 years, double-wide homes only
- DPA funds may be used toward down payment and/or closing costs, up to FHA's 96.5% first-lien LTV
- No income cap on the standard 3.5%/5% FHA DPA programs; manufactured home program limited to 80% of area median income
- HUD-approved homebuyer counseling required on every program
- Program guide source: MortgageHouz Lender DPA Matrix (wholesale lender guidelines, subject to change without notice)
Eligibility Basics
- Minimum FICO: as low as 580 on select FHA-paired DPA programs (see MortgageHouz Lender guide above) — 640–680 typical on state/county DPA programs
- Maximum DTI: 50% (FHA/VA) · 43–45% (Conventional)
- 8-hour HUD-approved homebuyer education course required
- Primary residence only · income limits vary by county
- Pairs with an FHA, VA, USDA, or Conventional first mortgage
Why Orlando Borrowers Choose MortgageHouz
- Access to 100+ wholesale lenders instead of one bank's rate sheet
- Licensed Florida mortgage broker · NMLS #2755375
- Pre-qualification within 48 hours, with no impact to your credit to get started
- A dedicated loan specialist manages your file from application to close
- Programs available for Florida primary residences, second homes, and investment properties
DPA Financing in Orlando, FL
MortgageHouz works with buyers, homeowners, and investors throughout Orlando and the surrounding Florida market to structure the right down payment assistance solution for their scenario. As a licensed mortgage broker, we shop your file across our full lender network rather than offering a single bank's rate and guidelines — which means more program options and a better shot at approval for Orlando borrowers who don't fit a conventional box.
Whether you're purchasing your next home, refinancing, or growing an investment portfolio in Orlando, our team will review your full scenario and come back with a real pre-qualification and program recommendation within 48 hours.
DPA Questions, Answered
Is down payment assistance a loan I have to pay back?
It depends on the program. Some DPA funds are structured as forgivable grants that never have to be repaid if you meet occupancy requirements. Others are 0% interest deferred second mortgages, repaid when you sell, refinance, or pay off the first mortgage. We'll walk you through exactly how your matched program works before you commit.
Can I combine down payment assistance with other programs?
Often, yes. Many buyers layer a state program with a county or municipal program to maximize assistance. We check every program you may qualify for and show you how they combine.
Do I have to be a first-time homebuyer?
Not always. Many DPA programs are limited to first-time buyers (defined as not owning a home in the past three years), but some programs — particularly profession-based grants — are open to repeat buyers too.
How long does it take to get pre-qualified?
Submit your scenario and a licensed MortgageHouz loan specialist will return a pre-qualification and matched DPA program recommendation within 48 hours, with no credit impact to get started.
Ready to Get Started in Orlando?
No credit pull to get started. Tell us about your scenario and a licensed MortgageHouz loan specialist will respond within 48 hours.
Get a Free Quote →MortgageHouz LLC · NMLS #2755375 · 321.201.0436