Affordable Home Buying Program -

: Low-down-payment options such as 3.5% down for FHA or 3% down for Freddie Mac's Home Possible program.

: Requires "sweat equity" and provides affordable mortgages where monthly payments do not exceed 30% of gross income. State and Federal Programs affordable home buying program

Several affordable home buying programs provide financial support for low-to-moderate-income families through grants, forgivable loans, and low-down-payment mortgages. Depending on your location, you may qualify for up to in assistance. Local Assistance (Pensacola & Escambia County) : Low-down-payment options such as 3

: Provides up to $45,000 as a ten-year forgivable loan for down payments and closing costs. Depending on your location, you may qualify for

: Provides up to $10,000 as a zero-interest, deferred second mortgage for eligible buyers using Florida Housing's first mortgage programs.

💡 : Many programs require an eight-hour HUD-certified homebuyer education class before closing.

: Offers up to $35,000 (or 5% of the loan amount) for frontline workers like teachers, healthcare staff, and veterans.