Seminole County


Orange County Housing Finance Authority AND Seminole County
First-Time Buyer Program

ELIGIBLE AREAS – Seminole County


  1. Buyers and their spouses (occupant and non-occupant) must be first-time buyers and must be able to permanently reside in the US.
  2. Buyers must live in the property they purchase as their principal residence.
  3. All applicants must be considered irrespective of age, race, color, religion, national origin, sex, marital status, military status or physical handicap.
  4. Buyers must occupy the property purchased within 60 days of closing.

* See loan officer for additional information

DOWN PAYMENT ASSISTANCE – 30 year deferred, 0% interest second mortgage up to $7,500. Must be used for down payment and closing cost assistance.

INCOME LIMIT CRITERIA – Household income is considered for ALL Borrower(s), spouses and anyone 18 years or older.
1 – 2 person household $59,000
​3 or more person household $70,800

MAXIMUM SALES PRICE LIMIT – This price must include everything paid by the buyer or on the buyer’s behalf.
HOMEBUYER EDUCATION – Homebuyers and everyone on the Warranty Deed must take homebuyer education. See loan officer for approved providers.

ELIGIBLE PROPERTY – Primary residences only, new or existing, one to four units, detached or attached, condos, townhomes.

CREDIT SCORE – FICO mid score must be 640 or higher.

DTI – The maximum debt-to-income (DTI) ratio is 45%.

Ready to Buy or Refinance?
Let us show you how.

With our years of experience, we are completely focused
on getting you the best deal.