Down Payment Assistance

Don’t Let the Down Payment Hold You Back

We help homebuyers in Central Florida tap into real, usable assistance programs — so you can stop saving and start shopping.

Think you need 20% down to buy a home in Lake Mary, DeLand, or somewhere else in Central Florida? Think again.

We specialize in connecting buyers with down payment assistance programs that make getting into a home far more doable than you might think. From grants to deferred-payment loans, we’ll help you understand your options — and make the most of them.

How it works

Step 1

We review your income, credit, and goals to identify qualifying programs.

Step 2

We explain each option clearly — no fine print, no overwhelm.

Step 3

We help you apply and guide you through the paperwork.

Step 4

You move forward with a smaller down payment (or none at all).

Step 5

We stay with you through closing — and beyond.

Who It's For

  • First-time buyers who need a boost


  • Low-to-moderate income households


  • Renters ready to buy but short on savings



  • Veterans, teachers, healthcare workers, and others eligible for special programs

Down Payment Assistance FAQs

  • Do I have to be a first-time homebuyer to qualify?

    Not always. Some programs define “first-time” as not having owned in the last 3 years. Others are open to repeat buyers.

  • Is this money I have to pay back?

    Some programs are grants (you don’t repay), while others are loans that may be deferred or forgiven over time. We’ll break down each clearly.

  • Can I combine assistance with other loan types like FHA or VA?

    Yes — many assistance programs are designed to work alongside FHA, VA, or conventional loans.

  • Does using assistance make my loan more expensive?

    Not necessarily. In fact, it can reduce your monthly payments by lowering your loan amount or eliminating PMI sooner.

  • How do I know which programs I qualify for?

    That’s where we come in. We evaluate your situation and match you with options you’re actually eligible for — no guesswork.

Why Acceptance Mortgage Solutions?

We know the programs — and the paperwork — inside and out. But more importantly, we know how to explain them in plain English. Whether it’s a Florida Housing grant or a city-specific incentive in Deltona or Altamonte Springs, we’ll help you connect the dots between your goals and your keys.


Benefits You Can Expect


  • Lower upfront costs
  • Access to state and local grant programs
  • Easier path to homeownership
  • Personalized help navigating options
  • Local insight into what works in Seminole and Volusia Counties
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

Homeownership might be more within reach than you thought. If you’re in DeBary, Longwood, or anywhere in between, let’s explore how down payment help could unlock your next chapter.