Seminole County · Florida Hometown Heroes Housing Program
Buying a first home in Seminole County, Florida
Seminole County uses the Orlando-area limits: $172,350 under TBA, or $114,900 and $132,135 under Bond.
SeatSanford
Residents491,884
Income cap, 3+$132,135
Price cap$566,354
The Seminole picture
Seminole County Public Schools and the Seminole County Sheriff's Office employ people in eligible roles. Fire service roles at the Seminole County Fire Department and Sanford Fire Department count, as do officers with Sanford Police and Altamonte Springs Police.
If you're shopping in Lake Mary, Oviedo or Winter Springs, keep the $566,354 Bond price limit in mind. If you're above it, the TBA option has no price cap, only loan limits.
If you commute to Orlando, that's fine. Your job just needs to be full-time with an eligible employer at a Florida location, so working in Orange County is fine.
Caps that apply in Seminole County
Income cap, 1 or 2 people
Income cap, 3 or more
Price cap
$114,900
$132,135
$566,354
Seminole's Bond limits are $114,900 and $132,135 with a $566,354 price cap, and its TBA limit is $172,350. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
Seminole County Public Schools
Seminole County Sheriff's Office
Seminole County Fire Department
Sanford Police Department
Sanford Fire Department
Altamonte Springs Police Department
Commuters who work full-time for an eligible employer in a neighboring county still meet the job rule. The eligible jobs list has the full set of roles.
Local money in Seminole 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.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Seminole 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
Seminole County, asked and answered
What's the Hometown Heroes income limit in Sanford?
Seminole County uses $172,350 under TBA, or $114,900 and $132,135 under Bond.
I live in Oviedo but teach in Orange County. Do I qualify?
Yes, if the job is full-time at a Florida school.
What if the home costs more than $566,354?
Bond loans can't be used above that price outside targeted areas. A TBA loan has no price cap, only loan limits.
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