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Purchase Options

Buying a home in South Florida is one of the most significant financial decisions you will make. Milestone Mortgage Corporation offers a full range of purchase loan programs — from zero-down government loans to jumbo financing for luxury properties — along with down payment assistance programs to help more buyers get to the closing table.

Purchase Loan Programs

Down Payment Assistance Programs

Coming up with a down payment is one of the biggest hurdles for home buyers. Florida offers several programs that can provide grants, forgivable loans, or second mortgages to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000 in down payment and closing cost assistance for eligible community workforce employees — teachers, nurses, law enforcement, firefighters, and more. 0% interest, deferred second mortgage.

Florida Bond Program (FL HFA)

Below-market first mortgage rates combined with down payment assistance for income-qualified buyers purchasing in Florida. Offered through the Florida Housing Finance Corporation.

Palm Beach County DPA

County-administered down payment assistance for income-eligible buyers purchasing in Palm Beach County. Funds are limited and awarded on a first-come, first-served basis.

FHA + DPA Combinations

Many down payment assistance programs pair with FHA loans, allowing buyers to purchase with little to no money out of pocket when combined with seller concessions.

USDA & VA Zero-Down

For eligible buyers, VA and USDA loans already eliminate the down payment requirement entirely — making them the most powerful purchase tools available.

Gift Funds

Conventional and FHA loans allow down payment funds to be gifted by a family member. We will guide you through the documentation requirements to use gift funds properly.

Note: Down payment assistance programs have income limits, purchase price caps, and availability that change frequently. Contact us to confirm current program availability and whether you qualify.

Ready to Find Your Purchase Program?

Every buyer's situation is different. Let us match you with the right purchase loan and down payment assistance program for your income, credit, and goals.

Ready to Get Started?

Let our family help yours. Call us at 561-207-8082 or apply online today.