Buy a Home in Florida With Potentially $0 Down

Buy a Home in Florida With Potentially $0 Down
Florida Assist & Hometown Heroes — by Jose Sampoll | Salute Home Lending
$0 Down Is Possible
Florida Housing programs can cover your down payment and closing costs. Some buyers close with nothing out of pocket.
Two Programs. One Big Opportunity.
Florida Assist
$10,000 toward down payment & closing costs
0% interest · No monthly payment
Hometown Heroes
5% of loan amount ($10K–$35K)
Designed for Florida's workforce heroes
Who Qualifies for Hometown Heroes?
Educators
Teachers & childcare workers
Healthcare
Nurses & medical staff
First Responders
Law enforcement & firefighters
Military
Active duty & veterans
At least one borrower must work full-time at a Florida location.
The 3-Part Formula
1
Choose Your Mortgage
FHA, VA, USDA, or Conventional
2
Add Florida Housing Assistance
Down payment & closing cost help
3
Negotiate Seller Concessions
Cover any remaining out-of-pocket costs
Basic Eligibility at a Glance
✅ Credit Score 640+
✅ First-Time Homebuyer
Exceptions may apply
✅ Income Within County Limits
✅ Primary Residence Only
✅ Homebuyer Education Course
Tampa Bay Income & Price Limits
Hillsborough · Pasco · Pinellas Counties
Non-targeted areas. Targeted area limits may be higher — ask Jose for details.
Ready to Find Out If You Qualify?
Apply Now
josesampoll.com
Jose Sampoll | NMLS #274055 | Salute Home Lending
We'll review your credit, income & options to build your personalized pre-approval plan.
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