Here's a link for the state of Florida for their first time buyer program. I would also check the county websites for the locations you mention to see if there is any information available on their websites. If you can find a lender list at this Florida link, the lender may be knowledgeable if there are any county programs available.
Most of Polk County will be eligible for 100% USDA rural housing loans. Learn more by contacting us below.
USDA Mortgage Hub
100% USDA Rural Housing Loans
Serving all 50 states
Ph: 800-691-8826 (7 days a week) http://www.UsdaMortgageHub.com