Florida offers various down payment assistance (DPA) programs to help first-time homebuyers with upfront costs, often requiring income limits based on area median income (AMI). Key programs include Florida Assist, HFA Preferred/Advantage PLUS, and Florida Hometown Heroes, providing deferred or forgivable loans. Many counties and cities also offer specific DPA programs with varying terms and eligibility. Despite recent price declines, affordability remains a challenge statewide.