Palm Beach County · Florida Hometown Heroes Housing Program
Buying a first home in Palm Beach County, Florida
Palm Beach County's Hometown Heroes TBA limit is $192,750, a little above Broward's. If you serve the community in West Palm Beach, Boca Raton or Jupiter, here's what you could get.
SeatWest Palm Beach
Residents1,575,726
Income cap, 3+$147,775
Price cap$697,889
The Palm Beach picture
The School District of Palm Beach County, Palm Beach County Fire Rescue and the Palm Beach County Sheriff's Office all employ people in eligible roles. City agencies count too: West Palm Beach police, Boca Raton Police Services and Boca Raton Fire Rescue.
On a Bond loan, your price ceiling here is $697,889, the same as Miami-Dade and Broward. Bond income limits are $128,500 for a household of 1 or 2 and $147,775 for 3 or more. The TBA option skips the price ceiling and uses that single $192,750 income limit instead.
Buyers in Boynton Beach or Delray Beach should still run the numbers. The help is 5% of the loan, so a $400,000 loan brings $20,000, and every dollar is repaid when the home is sold or refinanced.
Caps that apply in Palm Beach County
Income cap, 1 or 2 people
Income cap, 3 or more
Price cap
$128,500
$147,775
$697,889
In Palm Beach County, Bond limits are $128,500 and $147,775 by household size with a $697,889 price cap; TBA is $192,750 for everyone. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
School District of Palm Beach County
Palm Beach County Sheriff's Office
Palm Beach County Fire Rescue
West Palm Beach Police Department
Boca Raton Police Services
Boca Raton Fire Rescue
Child care workers at licensed Palm Beach County centers and full-time court staff in the county are also eligible. The eligible jobs list has the full set of roles.
Local money in Palm Beach 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.
Online portal application; first-mortgage pre-approval; HUD/NeighborWorks education + County 8-hour counseling form; liquid assets max $200,000
0% deferred, 30-year term, forgiven at end. Last cycle: portal opened May 5, 2025 and closed when 100 applications were reached ($3M allocation). Page still says 'THE APPLICATION LIMIT HAS BEEN REACHED'; no 2026 round found.
Very low, low and moderate income buyers in the city
Also note
Per FHFC-approved LHAP 2024-27
0% deferred loan forgiven pro rata; term 5 yrs (<$15k), 10 yrs ($15k-$40k), 15 yrs (>$40k). Verified only from the LHAP filed with Florida Housing; current open/closed status not confirmed.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Palm Beach County teach one or offer one-on-one counseling before you buy.
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
Palm Beach County, asked and answered
How much could I get on a $400,000 loan?
5% of $400,000 is $20,000, well under the $35,000 cap. Your lender confirms the exact amount.
Does Boca Raton Fire Rescue qualify?
Yes. Full-time firefighters, EMTs and paramedics with a Florida fire department meet the job rule.
Is there a price limit in Palm Beach County?
Only on Bond loans: $697,889 outside targeted areas. TBA loans have loan limits but no price cap.
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