Florida Assist (FL Assist) Program Checklist
A step-by-step checklist for consumers applying for the Florida Assist (FL Assist) Program in 2025.
Confirm Your Eligibility
- Ensure your household income falls within the program’s limits, which vary by county and family size.
- Verify that your credit score meets the minimum requirement, typically 620 or higher for most loan types. Additional conditions may be outlined by your assigned Loan Officer.
- Confirm the property you plan to purchase is within the program’s price limits and will serve as your primary residence.
- Check if you meet any additional eligibility criteria, such as being a first-time homebuyer or purchasing in an eligible area.
Prepare Necessary Documentation
- Collect proof of income, such as recent pay stubs, W-2 forms, or other income verification documents.
- Gather your tax returns for the past two years, including all schedules and attachments.
- Obtain recent bank statements covering the last two to three months for all financial accounts.
- Prepare property details, such as the address, purchase agreement, and sale price.
- Compile any additional documents requested by your Loan Officer, such as verification of debts, liabilities, or proof of assets.
Work with Your Assigned Loan Officer
- A Loan Officer has been assigned to guide you through the Florida Assist Program application process.
- Schedule a meeting or call with your Loan Officer to confirm eligibility, discuss program requirements, and review the steps needed to complete your application.
- Ask any questions about the program benefits, required documentation, or approval process.
- Follow your Loan Officer’s instructions to gather and submit all necessary materials accurately and on time.
Complete Your Application
- Collaborate with your Loan Officer to accurately complete your application for the Florida Assist Program.
- Submit all required documents to verify your eligibility for the program.
- Review your application with your Loan Officer to ensure all information is complete and error-free before submission.
- If required, attend a homebuyer education course to meet program prerequisites.
Finalize Your Enrollment
- Sign all necessary documents provided by your Loan Officer to secure your participation in the program.
- Be prepared to cover any additional costs not included in the program assistance, such as closing fees or prepaid expenses.
- Receive confirmation of your enrollment and detailed instructions on how the assistance will be applied to your down payment or closing costs.
Maintain Compliance with Program Terms
- Ensure the purchased property remains your primary residence for the duration specified by the program guidelines.
- Notify your Loan Officer immediately if you plan to sell, refinance, or make changes to your mortgage, as these actions may impact your program benefits.
- Stay updated on program requirements or changes to maintain compliance and retain your assistance benefits.