Up to $35,000
5% of your first mortgage, minimum $10,000, maximum $35,000
Florida Hometown Heroes for Port St. Lucie Homebuyers
Up to $35,000 toward your down payment and closing costs.
2026-27 funding opened July 13, 2026. Funds are first come, first served and have run out early in past years.
Last updated: October 2026
How it works
0% interest
No monthly payment on the assistance loan.
Not a grant
It is a second mortgage repaid when you sell, refinance, pay off the loan, or move out.
Approved lenders
Works with FHA, VA, USDA and conventional loans through approved lenders.
Who qualifies
- First-time homebuyer (veterans are exempt)
- Full-time employee of a Florida-based employer
- Meet the St. Lucie County income limit
- Minimum 640 credit score
- Home will be your primary residence
Many more job types qualify than people expect. Ask us or your lender.
St. Lucie County numbers
- Income limit, 1-2 person household
- $114,856
- Income limit, 3+ person household
- $132,085
- Purchase price limit
- $631,710
Limits change. Confirm current figures with a participating lender.
Step by step
- Get pre-approved with a Florida Housing participating lender
- Confirm eligibility and income
- Find your Port St. Lucie home with Pete & Kate
- Get under contract; your lender reserves the funds
- Close and move in
Avoid scams
There is no fee to apply for Hometown Heroes. Anyone charging you for access is not legitimate.
Frequently asked questions
Ready to use your Hometown Heroes benefit?
Talk to Peter and Kate.
RE/MAX Gold
Program terms, limits and funding are set by Florida Housing Finance Corporation and may change at any time. Pete & Kate are Realtors, not lenders. Confirm details with a participating lender.