Each county in FL has their own low income programs.
In addition to that, they might have grants (free money), closing costs and downpayment assistance and even housing built through them. One of those programs is Neighborhood Stabilization.
Also - municipalities have their own grant programs (the money runs out fast in those, so you got to go to the city manager where you'll be buying and talk to them to see how to prepare for the purchase, ahead of time).
Try to google first time home buyers seminars on HUD.gov - people who do those seminars usually know local info more specifically and are good resource.
Think of this as a process that you'll be preparing to.
When selecting a mortgage person - talk to them on how to prepare best for your purchase.
How much you'd need to save, what cards to pay off (if have balances) - and sooner than you might think today - you'll be ready to buy!
Hope this helps,
Irina Karan 305-904-2355
Beachfront Realty, Inc.