If you don’t qualify for a VA or USDA loan, you can use a standard mortgage (like FHA or Conventional) paired with state programs that cover the down payment. Homebuyer - Florida Housing Finance Corporation

: No official minimum from the VA, but Florida lenders often require a 600-620 FICO .

: Must meet income limits (typically 115% of the area median income) and the property must be in a USDA-eligible zone . Credit Score : Typically requires a minimum of 640 . 2. Florida State Down Payment Assistance (DPA)