First Time Home Buyer
Your first home is closer than you think — with as little as 1% down.
First Time Home Buyer Programs in Florida
Buying your first home is one of the most exciting milestones in life — and it's more accessible than most people realize. Florida offers several first time home buyer programs with low down payment requirements, down payment assistance, and competitive rates.
Most first time buyers put down just 3%, and some programs allow as little as 1% down. Scott Kepler and his team specialize in helping first time buyers navigate their options and find the program that best fits their financial situation.
Key Benefits
- Down payments as low as 1%
- Down payment assistance programs available
- Competitive interest rates for qualified buyers
- Guidance through every step of the process
- Multiple program options to fit your situation
Who Qualifies as a First Time Home Buyer?
In most programs, a first time home buyer is defined as someone who has not owned a primary residence in the past three years. This means even if you've owned a home before, you may still qualify.
Income limits and purchase price caps may apply depending on the program. Our team will review your full picture and match you with the best available option.
Related Reading
Florida Down Payment Assistance Programs
Overview of Florida programs that can reduce the cash needed to close for first-time buyers.
Read moreFlorida Hometown Heroes: Up to $35,000 in Down Payment Assistance
Eligible workers may receive significant down payment assistance through this Florida program.
Read moreHow to Get Pre-Approved for a Mortgage Quickly
Five steps to get your pre-approval ready before you start shopping for a home.
Read moreStart Your Homeownership Journey
Get pre-approved in under 24 hours — no cost, no obligation.