Down payment help is real — and you may qualify. Plus a quick, private affordability estimate.
Palm Beach County and the State of Florida offer assistance for first-time buyers. Most programs require HUD-approved homebuyer education first — exactly what we provide. Always confirm current amounts and eligibility on each program's official site.
Deferred, 0% second mortgages toward down payment and closing costs for income-eligible first-time buyers in the county.
Up to $100,000 · forgivable over time
PBC Housing & Economic Sustainability →A newer county program matching eligible first-time buyers with assistance. Orientation and homebuyer education are required to apply.
Up to $50,000
Learn about eligibility →Assistance for buyers purchasing within West Palm Beach city limits, paired with required homebuyer education.
Assistance available · see city site
City of WPB Housing →Statewide down payment and closing-cost assistance, including special help for eligible frontline and workforce professionals.
Varies by program
FloridaHousing.org →Free, confidential 24/7 help with rent, utilities, food, and crisis support — just dial 2-1-1.
Call 211 · available 24/7
211pbtc.org →Find federal resources, your rights as a buyer, and the national directory of HUD-approved housing counseling agencies.
Free federal resources
HUD.gov →A quick, private estimate to help you set expectations before your counseling session. Nothing you enter is saved or sent anywhere — it runs entirely in your browser.
⚠️ This is a rough educational estimate only — not a loan offer, pre-qualification, or guarantee. It assumes a 30-year loan and a 36% debt-to-income guideline, and excludes taxes, insurance, and HOA dues. For real numbers tailored to you, book a counseling session.
Join a free workshop, meet a HUD-certified counselor, and take the first confident step toward homeownership.