(772) 877-0268
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“The Florida Hometown Heroes Housing Program is administered by the Florida Housing Finance Corporation (Florida Housing), a state public corporation. I help eligible homebuyers in Port St. Lucie and St. Lucie County understand and access the program through participating lenders, but I do not administer the program, do not determine eligibility, and am not affiliated with or endorsed by Florida Housing or any state agency. For official program terms, visit FloridaHousing.org.”
The Florida Hometown Heroes Housing Program is a first-time homebuyer assistance program that offers up to $35,000 for down payment and closing costs. It is designed for eligible full-time Florida employees with simple, straightforward qualifications, making homeownership in Port St. Lucie, FL more affordable and attainable. Hometown Heroes buyers frequently purchase in communities such as Tradition, Torino, Lake Charles, and the SW Port St. Lucie corridor — areas known for new construction, low HOA fees, and strong school districts within St. Lucie County.
The Florida Hometown Heroes Program is easy to qualify for, but funding is limited. Florida Housing expects the funds may last only three to four months after the August 18, 2025 release due to high demand. If you’re a first-time homebuyer in Port St. Lucie, I can help you reserve your assistance before the program ends. Let’s confirm your eligibility, review your options, and get your questions answered today so you don’t miss out on this valuable opportunity.
New guidelines for the Florida Hometown Heroes Program allow up to $35,000 in down payment and closing cost assistance at 0 percent interest. Buyers in Port St. Lucie can purchase homes up to $731,000 with minimal or even zero out-of-pocket funds. As a quick rule of thumb, plan for about 5 percent of the purchase price when estimating your total costs to buy a home in Port St. Lucie, FL.
Assistance through the Florida Hometown Heroes Program is provided at closing as a second mortgage with 0 percent interest and no monthly payment for the life of the loan. The amount is repaid only when you sell, refinance, pay off your first mortgage, or move out of the home.
Loan programs available include Conventional, FHA, VA, and USDA.
This program is available to buyers in Port St. Lucie for single-family homes, townhomes, condos, villas, and 2- to 4-unit multifamily properties, making it one of the most flexible and affordable homeownership options in Florida.
Eligible occupations include but are not limited to: law enforcement officers, firefighters, emergency medical technicians (EMTs) and paramedics, active-duty military and veterans, nurses and healthcare workers, teachers and school support staff, childcare workers and early education professionals, and other community-serving workers employed full-time in Florida. Veterans are exempt from the full-time employment requirement.
To qualify for the Florida Hometown Heroes Program in Port St. Lucie, buyers must meet the following requirements:
Be a Florida-based worker who has not owned a primary residence in the past three years.
Be a full-time employee in an eligible occupation.
Veterans are exempt from the employment requirement.
Have a minimum credit score of 640.
Income limits apply only to the qualifying buyer. Income from a non-borrowing spouse is not included if they are not on the loan application.
Co-signers are permitted as long as the total combined income remains within the program’s limit.
These straightforward qualifications make it easier for first-time homebuyers in Port St. Lucie to access valuable down payment and closing cost assistance.
This is not a commitment to lend. The Hometown Heroes Program is a Florida Housing Program. Certain restrictions apply and terms above are subject to final loan approval and reservation with Florida Housing. Estimates of funds expiration date is not fully known and only opinion. Call The Matt Weaver Team at CrossCountry Mortgage for additional details (561) 864-2458.
Yes, but only when you sell the home, refinance, pay off your first mortgage, or move out. There is no monthly payment and the interest rate is 0%.
The 2025 annual income limit for St. Lucie County is $142,950 for qualifying borrowers.
Yes. The Hometown Heroes Program is compatible with Conventional, FHA, VA, and USDA loan types.
Funding is limited and released in rounds. Contact Jeannie at (772) 877-0268 to check current availability and reserve your assistance before funds run out.
Eligible borrowers must work full-time for a Florida-based employer and meet income and loan requirements.
Matt Weaver at CrossCountry Mortgage is the #1 Mortgage Originator in the State of Florida since 2020 and #1 in the Nation for Most Loans Closed in 2023!
“Program terms, funding availability, income limits, eligible occupations, and benefit amounts are set by Florida Housing and the Florida Legislature and are subject to change without notice. All applicants must be qualified by a participating program lender. This page is informational only and does not constitute a commitment to lend or an offer of credit.”