The Process

How It Works

01

Get a fully executed contract

A signed purchase contract is required before your rate and DPA funds can be locked.

02

Lock your rate

DPA funds available now.

03

Submission to initial underwrite

Your Closing Disclosure (CD) is issued at initial underwrite on every loan locked at submission.

04

Clear to Close

Average submission to Clear to Close is 12 days or less.

05

Close

Virtual and hybrid closings available across Florida.

Quick Check

Am I Eligible?

Answer a few quick questions. This is not an application and nothing here is a lending decision.

Are you a first-time homebuyer?

Active duty, reserve, and veteran borrowers are exempt from this requirement.

Yes

No

What best describes your employment?

Healthcare

Childcare

School Staff

First Responder or Public Safety

Court Employee

Military or Veteran

None of these

Do you work full-time (35+ hrs/week) for a Florida-based employer?

Yes

No

What county are you buying in?

Find Your County

Income Guidelines

Search your county to see every Hometown Heroes income and loan limit.

TBA Income Limit

USDA Income Limit

FHA Loan Limit

HFA / VA Loan Limit

This is the limit for the income of the people on your loan, not your whole household.

Didn't find that county? Email Conrad to check.

Limits are set by Florida Housing Finance Corporation, effective as of 5/06/2026, and subject to change. Your loan officer confirms the current figure before locking.

What Is It

What Is Hometown Heroes Down Payment Assistance (DPA)?

Structured as a 0% interest, deferred (non-amortizing) second mortgage.
Repaid only when the home is sold, refinanced, or the first mortgage is paid off.
Not a grant — the full original amount is repaid, just with no interest and no monthly payment.
Pairs with FHA, VA, USDA, and Conventional first mortgages.

See The Numbers

Down Payment Assistance (DPA) Estimator

Enter a purchase price to see estimated down payment assistance across all four loan types.

Purchase Price

$

This estimator is for educational purposes only. Upfront fees and mortgage insurance rates are subject to change by FHA/VA/USDA. This is not a commitment to lend.

*The principal, interest and MI payment on a $200,000 30-year Fixed-Rate Loan at 6.500% and 95% loan-to-value (LTV) is $1,310.81. The Annual Percentage Rate (APR) is 6.994% with estimated finance charges of $5,600. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 06/30/26. Information is subject to change. Certain restrictions apply. Subject to borrower qualifications.

Why Close With Conrad

Program Highlights

Close in 22 Days or Less

A performance average, not a contractual guarantee.

CD at Initial Underwrite

Issued on every loan locked at submission.

$10,000–$35,000 DPA

Down payment assistance (DPA): 5%* of your loan amount, 0% interest, deferred.

Lower Mortgage Insurance

Reduced MI rates.

Virtual & Hybrid Closings

Close from wherever works for your schedule.

Faster · Easier · Cheaper

Built for buyers who serve Florida every day.

*Eligible borrowers can receive up to 5% of the total loan amount in down payment and closing cost assistance, between $10,000 and $35,000.

Who Qualifies

Eligible Occupations

Only one borrower on the loan needs to meet an eligible occupation or employer requirement.

Full-time at a Florida-based healthcare provider, physician, hospital, assisted living, mental health, or healthcare facility.

NursingAPRN, Clinical Nurse Specialist, LPN, Nurse Anesthetist, Nurse Midwife, CNA, Nursing Technician, RN

Medical TechniciansAnesthesia Support, Cardiology, Clinical, CT, ER, Lab (incl. Phlebotomist), Neurology, Nuclear Medicine, Monitor, Ortho, Pharmacy, Radiation, Rehab, Sonographer, Surgical, X-ray Techs

Medical TherapistsAudiology, Occupational, Physical, Respiratory, Speech

Mental Health WorkersBehavioral Health Specialist/Technician/Therapist, Case Manager, Mental Health Specialist/Technician/Therapist, Psychiatrist, Psychologist, Social Worker

Doctors, Physicians & PharmacistsAnesthesiologist (+ Assistant), Dentist, Nuclear Pharmacist, Pharmacist, Pharmacy Technician, Physician, Physician Assistant

Other Healthcare WorkersDental Assistant, Dental Hygienist, Medical Assistant (CMA/MA), Patient Care Assistant, Patient Transporter, Phlebotomist

Full-time at a Florida-based K-12 public, private, charter, or magnet school.

RolesAssistant Principal, Career/Guidance Counselor, Classroom Teacher, Food Service/Cafeteria Staff, Librarian/Media Specialist, Maintenance/Janitorial Staff, Principal, School Counselor, School Psychologist, Social Worker, Teacher Aide

Full-time at a Florida-based fire department, ambulance service, or hospital.

RolesEMT (Certified), Certified Paramedic, Firefighter

Full-time at a Florida-based local, county, state, or federal law enforcement department, juvenile detention, correctional facility, or emergency operations center.

Roles911 Communicator/Dispatcher, Correctional Officer, Correctional Probation Officer, Juvenile Detention Officer, Juvenile Probation Officer, Sworn Law Enforcement Officer

Full-time at a Florida-based county, state, or federal court, court administrator’s office, State Attorney’s Office, or Public Defender’s Office.

RolesAssistant State Attorney, Assistant Public Defender, Attorney (FL Supreme Court/DCA/Circuit/County), Court Clerk, Court Stenographer/Reporter

Full-time at a Florida-licensed child care facility (per S.402.301–402.305) or exempt facility (S.402.313/402.316).

RolesAny worker at a licensed child care facility or licensed/registered home day care

Active service and honorably-discharged veterans.

EligibilityActive duty or reserve, all U.S. Armed Forces branches, including the Florida National Guard. Veterans employed full-time by a Florida-based employer, discharged under other-than-dishonorable conditions.

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