Buying your first home is a big step, one filled with excitement, dreams, and sometimes a little stress. At Catana Homes, we’re here to make that journey easier.
That’s why we’re excited to share some great news: Florida’s Hometown Heroes Housing Program (HTH) is open again for 2025–2026, giving eligible first-time buyers up to $35,000 in financial assistance to help make homeownership more affordable and within reach.
What is the Hometown Heroes Housing Program?
The Hometown Heroes Housing Program was created to support the individuals who serve and work in Florida’s communities. Through this program, eligible first-time buyers can receive up to $35,000 (or 5% of the first mortgage loan amount, minimum $10,000) to help cover down payment and closing costs.
In addition to financial assistance, the program also provides:
- Competitive interest rates on FHA, VA, USDA-RD, and conventional loans.
- Reduced upfront fees (no origination or discount points).
- Assistance delivered as a 0%, non-amortizing, 30-year deferred second mortgage.
Please note: The second mortgage is not forgivable and becomes due if the property is sold, refinanced, transferred, or no longer used as the primary residence.
Who Is Eligible?
The 2025 program is limited to full-time Florida-based employees in the following groups:
- Healthcare workers (nurses, technicians, therapists, physicians, pharmacists, mental health professionals, and more).
- School staff (teachers, administrators, counselors, cafeteria staff, custodians, librarians, and others).
- First responders (firefighters, EMTs, and paramedics).
- Public safety and court employees (law enforcement, correctional officers, 911 dispatchers, attorneys, clerks, judges, and more).
- Childcare workers (employees at licensed childcare facilities or registered family day care homes).
- Military members and veterans (active duty, reserves, Coast Guard, Florida National Guard, and veterans employed full-time by a Florida-based employer).
Income limits and loan limits vary by county. For example, in Lee County, the FHA/VA loan limit is $524,225 with an income limit of $153,300 for a household of 1-4 persons.
How does Catana Homes help you take advantage of this program?
While the Hometown Heroes Program provides the funds, Catana Homes provides the perfect place to call home. When you choose us, you don’t just get a house; you get a trusted partner to guide you through every step of the buying process:
- Find your dream home in one of our thoughtfully designed communities.
- Verify your Hometown Heroes Housing Program eligibility with our trusted lending partners.
- Apply the assistance directly to your purchase with Catana Homes, reducing out-of-pocket costs.
With this program, you can move into your first home sooner and with greater peace of mind.
Don’t wait! Funds are limited!
The Hometown Heroes Housing Program is incredibly popular, and funds go fast. With $50 million allocated for 2025-2026, now is the time to take action.
Ready to see if you qualify? Contact Catana Homes today to learn more about available homes and how we can help you maximize this opportunity.
