Florida help / Monroe
Down payment assistance in Monroe County
These are the plans we have checked in Monroe 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 Monroe
levels: county, city, state
last checked by a person
From the county
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Monroe County SHIP — Homebuyer Assistance | Monroe County, Florida | Whole county | Deferred loan with no payments or interest. It isn't forgiven: it's repaid after 30 years. If you sell or refinance before year 15, you also pay back a share of what the home gained in value. No funds this year for part of this help: households earning up to 80% of area income. Checked Sep 2026. | Official document |
From your city
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Islamorada — First-Time Buyer Down Payment Assistance | Islamorada, Village of Islands — Planning and Development Services | City of Islamorada | For first-time buyers who live or work in Monroe County, buying in Islamorada. Deferred loan with no payments while you live in the home, forgiven 10% each year up to 90%: after 10 years, only the last tenth is repaid when you sell or stop living in the home. The home can't be larger than 1,500 square feet. | 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.
