Heroes Program
floridahousing.org · State-funded assistance
for eligible first-time buyers statewide
- ? Up to $35,000 in down payment & closing cost assistance
- ? 5% of loan amount (minimum $10,000 guaranteed)
- ? 0% interest deferred second mortgage (30 years, no monthly payment)
- ? Below-market first mortgage interest rate
- ? Works with FHA, VA, USDA & Conventional loans
- ? No origination fee — saves thousands upfront
stacks on top
Heroes Program
Leugers Group & trusted local lender
layered directly on top of the state program
- ? Average $4,000–$5,000 in additional savings
- ? Applied to remaining closing costs & prepaid expenses
- ? Up to 100% financing for qualified heroes
- ? Works alongside the state program — not instead of it
- ? Expert guidance from Doug — a former Soldier & Firefighter
- ? No gimmicks. No smoke and mirrors. Just real savings.
Most agents offer one program.
We stack them both.
Every hero we work with gets access to Florida's Hometown Heroes state program plus our exclusive team and lender benefits on top — designed to get as close to zero out-of-pocket as possible.
Exactly what the
two programs cover.
Most buyers using the state program alone still leave thousands behind at closing. We built our program to close that gap — so your total out-of-pocket is as close to zero as possible.
*Estimates only. Final amounts depend on purchase price, loan amount, and qualification at closing. Florida Hometown Heroes subject to state funding availability, income limits, and occupation eligibility. Leugers Group benefits require enrollment in Honoring Our Heroes Program and representation by Leugers Group at closing.
Find Your Exact Savings
We'll calculate your combined state + team benefit and walk you through every dollar. Free. No pressure.
From inquiry to keys
in four easy steps.
Other agents enroll heroes in the state program and call it done. We saw what was still left on the table and built something on top of it. A soldier or firefighter shouldn't have to choose between serving and owning a home here.
Let's zero out your
cost to buy.
Find out exactly how much you qualify for — from Florida's state program and from our team. Free. 30 seconds. No commitment.
All loans subject to underwriting, credit & property approval. Not all products available in all states. Florida Hometown Heroes program subject to state funding availability and eligibility requirements. You must be enrolled in the Honoring Our Heroes Program and represented at closing by Leugers Group to receive team benefits. Dollar amounts are estimates based on typical SW Florida transactions. Leugers Group is a licensed Real Estate Team with eXp Realty.
