Homeownership may be closer than you think.
Eligible Florida workforce buyers may receive assistance toward down payment and closing costs when purchasing a primary residence.
Program eligibility, financing and assistance are determined by an approved participating lender.
Additional support for your home purchase
Hometown Heroes may reduce the upfront cash needed to purchase an eligible home.
Down Payment Assistance
Qualified buyers may receive up to 5% of the first mortgage amount.
Closing Cost Support
Assistance may be used for eligible closing costs and prepaid expenses.
No Monthly Payment
The assistance is generally structured as a deferred second mortgage.
Core requirements
- At least one borrower works full-time for an eligible Florida-based employer.
- The buyer meets the applicable first-time homebuyer requirement.
- The home will be occupied as the buyer's primary residence.
- The buyer meets applicable income, loan and lender underwriting limits.
- Homebuyer education is completed when required.
Eligible workforce categories
Employment must be verified by the participating lender.
Request an Eligibility ReviewYour homebuying path with Royo
Consultation
We discuss your goals, timing and preferred areas.
Lender Review
A participating lender reviews credit, income and employment.
Home Search
Royo identifies properties and prepares your offer.
Closing
We coordinate negotiations, deadlines and closing.
Professional buyer representation from consultation through closing
Royo provides guidance, advocacy and transaction support throughout the purchase.
Start exploring available properties
Use the live MLS search below to browse homes, save your favorites and identify properties you would like to tour.
Property information is supplied by the MLS and is subject to change without notice.
What buyers should know
How much assistance could I receive?
Qualified buyers may receive up to 5% of the first mortgage amount, subject to program limits.
Is the assistance a grant?
No. It is generally provided as a zero-interest deferred second mortgage.
Can Royo approve me for the program?
No. A participating lender determines financing and program eligibility.
Are funds guaranteed?
No. Funding is limited and subject to availability.
Ready to see if you qualify?
Schedule a free buyer consultation and take the first step toward purchasing your Florida home.
Schedule Your Free Buyer Consultation