Hi and welcome to Orlando. Down payment assistance is available thru various resources and counties.
First, are you aware of the $8000 first time homebuyer tax credit? This is money in your pocket! Second, ea county and or municipality have different criteria for assistance, so we would need to know which county you want to reside to explore the availability of monies. Third, there is an income level that you may not exceed to qualify. I know a few area home builders are offering free money for professionals such as teachers, firepersons and nurses etc. I can provide that info to you.
So, the basic answer is "maybe" depending upon your personal situation. Just to let you know with an FHA loan in todays affordable market you may qualify for a very nice home in a great area with just 3.5% down (which you may acquire as a gift ) and you can ask the seller to help with your closing costs as well. There are some homes in certain areas of Orlando that may qualify for 100% USDA financing. i can help you indentify those. I just returned from a mortgage seminar and would be delighted to introduce you to a qualified Mortgage expert to help you sort thru some of these questions.
My job is to locate that dream home for you, after you have worked out the financing thru a Broker or Bank. For Down Payment assistance you may consider a Broker to be more helpful. For more information or to contact me and/or a Mortgage Broker that works with down payment assistance, please visit my website, call or email me at your earliest convenience. There is a bit of a "mini" housing boom out there right now and some of the best bank properties are going fast.
We are open for business and there is a sale going on! Don't miss out!
I would be delighted to chat further with you. I am one of many Realtors here to help and you may want to talk to a few before deciding. Let's Talk, i would love to tell you about my service and experience