Florida help / Brevard
Down payment assistance in Brevard County
These are the plans we have checked in Brevard County so far: from the county, from its cities, and from the state, each with the link to its official document. We keep looking for more.
plans we have checked in Brevard
levels: county, city, state
last checked by a person
From the county
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Brevard County SHIP — Purchase Assistance | Brevard County | Brevard County. The county plan appears to leave out the cities; we're confirming it with the county. | Deferred loan forgiven over its term for very low and low incomes. For moderate and workforce incomes (81% to 140% of area income), one section of the plan sets monthly payments over 10 years with no interest, and another says otherwise: ask the county before you count on it. | Official document |
| Brevard County Housing Finance Authority — Home Ownership Program | Brevard County Housing Finance Authority | Whole county | Deferred second loan with no payments. It isn't forgiven: it's repaid in full when you stop living in the home, sell it, refinance or rent it out, or after 30 years. Applications are served in order: apply early, with all your papers ready. | Official document |
From your city
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| City of Cocoa — Purchase Assistance Program | City of Cocoa | City of Cocoa | Deferred loan with no payments while you live in the home, forgiven 10% a year: after 10 years you owe nothing. Applications are served in order: apply early, with all your papers ready. | Official document |
| Melbourne SHIP — Homeownership | City of Melbourne | City of Melbourne | Deferred loan with no payments, forgiven a part each year over 5 or 10 years, depending on the amount. If you sell before the term ends, you also share part of the sale proceeds with the city. No funds this year for part of this help: purchase with sweat equity. Checked Sep 2026. | Official document |
| Palm Bay SHIP — Homeownership | City of Palm Bay | City of Palm Bay | Deferred loan with no payments, forgiven a part each year over 10 or 15 years, depending on the amount. There is also a version with sweat equity. Paused (Sep 2026) No funds this year for part of this help: households earning up to 50% and 81% to 120% of area income. Checked Sep 2026. | Official document |
| Titusville SHIP — First Time Homebuyer Program | Titusville | City of Titusville | Deferred loan with no payments, on a term of 5 to 20 years depending on the amount. Nothing is forgiven for the first 5 years; after that, a part each year. No funds this year for part of this help: households earning up to 80% of area income; purchase without repairs. Checked Sep 2026. Applications are served in order: apply early, with all your papers ready. | Official document |
From the state
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Florida Assist (FL Assist) | Florida Housing Finance Corporation | All of Florida | Deferred second mortgage at 0%, with no payments. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. | Official document |
| Florida HFA Advantage PLUS | Florida Housing Finance Corporation | All of Florida | Second mortgage with no payments, forgiven 20% on each anniversary of your closing: after 5 years you owe nothing. | Official document |
| Florida Hometown Heroes | Florida Housing Finance Corporation | All of Florida | Deferred second mortgage with no payments. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. | Official document |
Data checked by a person against each official document.
Help at little or no cost, even if you never use us
These organizations exist to help people buy a home. We have no agreement with them and they don't endorse us: they're here because they're useful.
Housing counseling approved by HUD
Independent advice on your budget, your credit and your loan, often at little or no cost to you.
Find a counselor (HUD)A homebuyer course
Many assistance plans ask for one. HUD-approved counseling agencies teach it; ask them when you call.
Find a counselor (CFPB)Your county's housing office
The office that runs your county's assistance can tell you what's open and how to apply.
Find your county's office (Florida Housing)Source for “little or no cost”: Consumer Financial Protection Bureau, Find a housing counselor.
Which ones fit you, and how much?
It depends on your income, your household, the home and the city where you buy. Some plans can be combined and others can't. The app works it out for your household and for the month you'll be ready to buy, with each amount checked by a person against the official plan.
