Most first-time buyers take 6 months because they didn’t know the right order of steps. This is the exact 90-day roadmap — Month 1: Prepare. Month 2: Search. Month 3: Close — for Florida buyers ready to stop renting.
Everyone says “it depends.” Here’s the honest side-by-side breakdown — with a live calculator — so Florida first-time buyers can see exactly which loan costs less for their specific situation in 2026.
Up to $35,000 in down payment help. Zero interest. No monthly payment until you sell or refinance. Florida’s Hometown Heroes program is one of the best DPA programs in the country — but the money runs out fast. Here’s the complete guide for 2026.