About the Down Payment Assistance Program

1. Overview

The City of Orlando’s Down Payment Assistance (DPA) Program provides assistance to qualified first-time home buyers for down payment and closing costs associated with purchasing a home. The home must be located within City limits. The amount of eligible assistance is based on the applicant’s gross household income and need. All applicants must complete a HUD-approved pre-purchase homebuyer’s education program and secure a first mortgage from one of our certified lenders.  

2. Who is Eligible

To be eligible for assistance, you must meet all of the following criteria:

First-Time Homeowner

You must not have owned a home in past three years.

Exceptions:

  • Displaced homemaker
  • Single parent
  • Former/future Parramore resident
  • City of Orlando employee
  • Teacher/school administrator
  • Public safety personnel
    (Some requirements apply to exception)

Income Eligible

Your annual income must fall within the chart below. These income limits are based on the Area Median Income and are updated annually by the Florida Housing Finance Corporation, for the SHIP program, which provides funding.  

Household Size Very Low Income Low Income Moderate Income*
1 Person $24,300 $35,850 $68,040
2 People $27,800 $44,400 $77,840
3 People $31,250 $49,950 $87,500
4 People $34,700 $55,500 $97,160
5 People $37,500 $59,950 $105,000
6 People $40,300 $64,400 $112,840
7 People $43,050 $68,850
$120,540
8 People $45,850 $73,300 $128,380

Effective April 2019. *Depending upon funding availability .

Complete a Home Buyer’s Education Seminar

The seminar must be through one of the city’s housing counseling agencies, including a “One-On-One” session (telephone counseling is not acceptable).

Get a mortgage 

You must qualify for a loan for a first mortgage with a fixed rate from a City of Orlando certified lender.

Have at least $1,000 for down payment and closing costs.

The $1,000 must come from household money -- it cannot be a gift or loan.

3. What Houses are Eligible

  • Located within the City limits of Orlando
  • New or existing single-family home, townhouse or condominium (mobile homes & trailers are not eligible)
  • Property may be owner-occupied, vacant or occupied by applicant; tenant-occupied property is not eligible
  • Homes must meet property standards for health and safety prior to release of funds

Keep in mind:

A recorded mortgage and note will be placed on the property for ten years. During that time, the home must remain the principal residence of the owner and the city’s staff will monitor the ownership to verify up-to-date payment of homeowners insurance, mortgage and property taxes. 

4. How Much Assistance is Available?

Income Level % of the Area Median Income Maximum Assistance
Citywide Program (Very Low) Below 50% $35,000
Citywide Program (Low) 51%-80% $25,000
Citywide Program (Moderate) 81%-140% $15,000
 Future Parramore Resident (Very Low) Below 50% $40,000
 Future Parramore Resident (Low) 51%-80% $30,000
 Future Parramore Resident (Moderate and households up to 140% AMI) 81%-140% $20,000

5. Does Assistance Need to be Repaid to the City?

If you remain in the property and do not rent, sell or convey ownership of the property during the lien period, the loan will be forgiven.

The lien will be forgiven and a satisfaction of mortgage will be recorded once the lien period is completed and the homeowner has complied with all requirements.

6. How Do I Apply for Down Payment Assistance?

Request Down Payment Assistance