One of the biggest challenges facing homebuyers is having enough money for down payment and closing costs. Northpointe Bank offers several programs that can help. As a participating lender with the Florida Housing Finance Corporation, qualified borrowers can receive up to $35,000* towards their down payment and closing costs with the Florida Hometown Heroes Housing Program. Buying a home may be more affordable than you think.

Program Features
  • Receive 5% of the first mortgage loan amount up to a maximum of $35,000 in down payment and closing cost assistance as a deferred second mortgage
  • Not limited to hometown heroes. Offered to all applicants employed full-time (35+ hrs./week) by a Florida-based employer.
  • Available to eligible first-time homebuyers for the purchase of a primary residence in the Florida community in which they work
  • Veterans may be first-time or repeat homebuyers
  • Income and loan limits apply and vary by county
  • Homebuyer education course required
*Florida Hometown Heroes Down Payment Assistance is a 30-year, deferred second mortgage with a 0% interest rate and no monthly payments. Loan is due in full at maturity or sooner if the borrower sells, transfers, refinances, or no longer uses the property as their primary residence.
All loans are subject to credit review and approval. This is not a commitment to lend. Other terms and conditions may apply.