Collier County · Florida Hometown Heroes Housing Program
Buying a first home in Collier County, Florida
Collier has the highest Bond limits of any county on this site: $145,200 and $169,310 by household size, and an $800,166 price cap.
SeatEast Naples
Residents417,131
Income cap, 3+$169,310
Price cap$800,166
The Collier picture
Collier County Public Schools employs teachers and staff from Naples to Immokalee. Public safety employers include the Collier County Sheriff's Office, Collier County EMS, Naples Police, the Greater Naples Fire Rescue District and the North Collier Fire Control & Rescue District.
Collier is one of the few places where a Bond buyer can realistically reach the $35,000 maximum, since the $800,166 price limit allows loans above $700,000. The TBA limit here is $181,500 for any household size, and it only counts the borrowers' income, not every adult in the home.
Buyers in Golden Gate, Ave Maria or Marco Island should compare both options with a lender before making offers.
Caps that apply in Collier County
Income cap, 1 or 2 people
Income cap, 3 or more
Price cap
$145,200
$169,310
$800,166
Collier's Bond limits are $145,200 and $169,310 with an $800,166 price cap, and its TBA limit is $181,500. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
Collier County Public Schools
Collier County Sheriff's Office
Collier County EMS
Naples Police Department
Greater Naples Fire Rescue District
North Collier Fire Control & Rescue District
Fire district employees count the same as county agency staff, as long as they work full-time in Florida. The eligible jobs list has the full set of roles.
Local money in Collier 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.
First-time buyers, very low to moderate; higher awards for Essential Service Personnel
First-timers only
Yes
Also note
Per FHFC-approved LHAP 2025-28
0% deferred, 30-year, forgiven entirely at end (also forgiven on death). County site blocked automated access. Naples (largest city) has no separate SHIP program.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Collier County teach one or offer one-on-one counseling before you buy.
Agency
Based in
How far
What they offer
Languages
How they meet
Housing Development Corporation of Sw Florida, Inc.
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
Collier County, asked and answered
Can I get the full $35,000 in Collier?
Yes, with a loan of $700,000 or more. Collier's $800,166 Bond price limit makes that possible.
Do fire district firefighters qualify?
Yes. Full-time employees of a Florida fire department, including fire districts, are eligible.
Which option has the higher income limit in Collier?
For 3+ people, Bond is $169,310 and TBA is $181,500, but Bond counts every adult in the home. Compare both.
Hi, I'm Lisa. See if you're eligible for down payment assistance in Florida. I'll walk you through six quick questions, and you'll see your result before you leave the page.
