Free guide
The Florida first-time buyer's guide
Buying your first home in Florida has a few twists the national guides skip — insurance, flood, and how the tax bill resets after a sale. This one is written for that.
This is a genuine, no-pressure walkthrough of buying your first home in Florida: how much you can really afford once insurance and taxes are in the picture, which loan and assistance options exist, and what actually happens between your offer and your keys. It is education, not an application — you can read the whole thing, and nothing here pulls your credit or commits you to anything.
What's inside
- How much home you can actually afford in Florida
- The real monthly cost: taxes, insurance, and flood
- Down payments and Florida assistance programs
- Choosing a loan: conventional, FHA, VA, and USDA
- Credit, DTI, and getting preapproved
- Making an offer and the path to closing
- A plain-language glossary and your next step
Prefer to browse first? The first-time buyer program page and the mortgage glossary are open to everyone, no form required.