Teacher Home Loans Florida Florida

Florida Teacher Mortgage Programs 2026

Florida teachers are among the most underserved homebuyers in the state — despite being specifically named in the Hometown Heroes Housing Program as a qualifying occupation. Furthermore, Mortgage Capital specializes in helping educators access every dollar of assistance available to them.

The Florida Hometown Heroes program provides up to $35,000 in down payment and closing cost assistance for eligible teachers — structured as a 0% interest deferred second mortgage with no monthly payments. Additionally, this works alongside FHA, Conventional, VA, and USDA first mortgages, allowing teachers to combine programs for maximum benefit.

Because teacher salaries in Palm Beach, Broward, and Miami-Dade counties typically range from $42,000–$72,000/year, income limits are usually not an obstacle — most teachers qualify comfortably within the program's household income caps. However, the program requires a 640 minimum FICO score and purchase of a primary residence. Furthermore, first-time homebuyer requirement can be waived for active military/veteran educators.