2026 Hometown Heroes funds are open now, first-come, first-served. Last year's money ran out by February.See where you stand
Take the quiz

Brevard County · Florida Hometown Heroes Housing Program

Buying a first home in Brevard County, Florida

Brevard's TBA income limit is $149,400. If you teach, nurse or protect a community from Palm Bay to Titusville, here's what Hometown Heroes can do.

SeatTitusville
Residents663,982
Income cap, 3+$116,627
Price cap$566,354

The Brevard picture

Brevard Public Schools covers the county's public schools, and its full-time staff qualify. Public safety roles are found at the Brevard County Sheriff's Office, Brevard County Fire Rescue, and the Palm Bay, Melbourne and Titusville police departments.

Brevard's Bond limits are $101,414 for 1 or 2 people and $116,627 for 3 or more, with the standard $566,354 price limit. Active-duty members stationed in the area don't need a Florida employer at all, and veterans who work full-time for any Florida-based employer qualify too.

For a smaller loan in Cocoa or Rockledge, the $10,000 minimum applies to any loan of $200,000 or less.

Caps that apply in Brevard County

Income cap, 1 or 2 peopleIncome cap, 3 or morePrice cap
$101,414$116,627$566,354

Brevard County's Bond limits are $101,414 and $116,627 with a $566,354 price cap, and its TBA limit is $149,400. Compare with the statewide table or run the budget calculator.

Local employers whose staff can qualify

  • Brevard Public Schools
  • Brevard County Sheriff's Office
  • Brevard County Fire Rescue
  • Palm Bay Police Department
  • Melbourne Police Department
  • Titusville Police Department

Veterans working full-time for any Brevard employer and active-duty members qualify without a school or public safety job. The eligible jobs list has the full set of roles.

Local money in Brevard County

County, city and employer programs here can sometimes sit behind the state loan, or replace it. Each has its own rules about combining, and a loan officer sorts out which ones fit together.

SHIP/HFA Purchase Assistance (Home Sweet Home Hillsborough)

Taking applications

Hillsborough County (also Brevard, Clay, Duval)

Amount
DPA $15,000 in Hillsborough, $5,000 City of Tampa, $15,000 Brevard, $10,000 Duval (per eHousingPlus chart); LHAP allows SHIP awards up to $100,000
Kind of help
Deferred loan, due at sale or refinance
Who it's for
First-time buyers using the HFA's FHA/VA/USDA first mortgage
Income cap
See HFA income limits
First-timers only
Yes
Also note
Participating lender; homebuyer education; FICO 640

County page says first-time buyers have two DPA options (Home Sweet Home and 'Affordable Income Subsidy Grant'). LHAP 2025-28 strategy 'Purchase Assistance HFA': 0% deferred, 30-year, repaid on sale or payoff of first mortgage. Lock rate 7.125% on eHousingPlus 11/6/2026.

Checked against the official page, November 2026. How we fact-check

Read our full write-upCheck whether I fit

Purchase Assistance Program

Limited funds

Brevard County

Amount
Up to $75,000 (very low, ≤50% AMI); up to $60,000 (low, 51-80% AMI)
Kind of help
Deferred loan, due at sale or refinance
Who it's for
First-time buyers (no ownership in 3 years), very low and low income
Price cap
Max sales price limits apply (not listed)
First-timers only
Yes
Also note
30-yr fixed first mortgage; liquid assets ≤$15,000; 5-hour education; $500/$1,000 minimum contribution; front/back ratios 34%/42%; no manufactured homes

0% deferred payment loan (repayable for moderate income). Contact C.H.I. (321) 253-0053. Page does not state open/closed status.

Checked against the official page, November 2026. How we fact-check

Read our full write-up Check whether I fit

Purchase Assistance with Rehabilitation (SHIP)

Waitlist only

City of Palm Bay

Amount
Not stated on City page
Who it's for
Income-eligible buyers in Palm Bay
Income cap
FHFC limits for Palm Bay
Also note
Call Community Housing Initiatives 321-253-0053

City page does not state amounts or whether the purchase wait list is open; LHAP 2026-29 on file with FHFC (not parsed).

Checked against the official page, November 2026. How we fact-check

Check whether I fit

The full statewide list is on every Florida program.

Homebuyer classes near Brevard County

Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Brevard County teach one or offer one-on-one counseling before you buy.

AgencyBased inHow farWhat they offerLanguagesHow they meet
Community Housing Initiative, IncMelbourne7 mihomebuyer education class, pre-purchase counselingEnglishPhone
Catholic Charities of Central FloridaOrlando41 mihomebuyer education class, pre-purchase counselingEnglish, SpanishFace to Face, Phone, Internet
Community Legal Services of Mid-Florida, Inc.Orlando44 mihomebuyer education class, pre-purchase counselingEnglish, SpanishFace to Face, Phone, Internet
Consumer Debt Counselors, IncWinter Park45 mihomebuyer education class, pre-purchase counselingEnglishFace to Face, Phone, Internet
Incharge Debt SolutionsOrlando47 mihomebuyer education class, pre-purchase counselingEnglish, SpanishFace to Face, Phone, Internet

From HUD's list of housing counseling agencies. A given program may accept only certain classes.

Which class counts for you? Your loan officer knows which courses each Florida program accepts and can start your pre-approval in the same conversation. Start with the 2-minute check

Brevard County, asked and answered

Do veterans working in Brevard qualify?

Yes. Veterans with a discharge other than dishonorable who work full-time for a Florida-based employer are eligible, and the first-time buyer rule is waived.

What's the income limit in Melbourne?

Brevard County uses $149,400 under TBA, or $101,414 and $116,627 under Bond.

Do Brevard County Fire Rescue employees qualify?

Yes, if full-time.

Nearby guides: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee. Or browse all counties.