Real Estate buyers who purchase a home with Bluecastle Realty, finance with Bluecastle Lending, and close with Bluecastle Title are eligible for this promotion. It is subject to credit and underwriting approval.
We won’t know if you qualify until we submit the file and receive approval. We need a loan application, credit, and all the supporting loan documents.
No, you don’t. The program was initially created to assist First Time Homebuyers however, it was later extended to all homebuyers.
There is no income limit and no income requirement. This means that individuals from every income level can request assistance with the closing costs of their home purchase.
The program aims to help more people become homeowners by not having any income requirements.
While buyers are typically responsible for their own loan closing costs, that doesn’t mean you have to pay them all. At Bluecastle, we first negotiate with the seller to cover as much as possible. Then, we apply lender credits to reduce your out-of-pocket expenses even further. If anything’s left, that’s the only part you’ll need to cover. It’s our way of helping you buy smarter—and save more.
No, you can buy anywhere in Florida.
This exclusive offer is reserved for clients who work with Bluecastle Realty as their buyer’s agent, finance with Bluecastle Lending, and close through Bluecastle Title or its affiliates. Choosing your own non-Bluecastle agent? No problem—we still have valuable ways to help you save. Let’s explore the best option for you!
No payback required—ever. Our credit assistance is a true benefit, not a loan. It’s a great option for buyers who want to avoid repaying family gifts, favors, or taking on a second mortgage like those required by Florida Hometown Heroes or Florida Assist programs. Just real help, with no strings attached.
No—our program is different. The Florida Hometown Heroes Housing Program supports frontline workers like police, teachers, and healthcare professionals with a second mortgage that must be repaid when you sell, move, or refinance. With Bluecastle’s program, there’s no repayment required. It’s not a loan—it’s real assistance that helps you move in without the burden of paying it back.
No—our program is different. Florida Assist provides down payment or closing cost help through a no-interest second mortgage. While helpful, that money must be repaid when you sell, move, or refinance. With Bluecastle’s program, there’s no second mortgage and nothing to repay—just real assistance to help you buy your home with confidence and peace of mind.
No restrictions at all—you’re free to sell at any time without paying anything back. Unlike other programs, there are no penalties or hidden strings. The only requirement? The home must be your primary residence. Simple, flexible, and buyer-friendly..
For qualified buyers using VA, FHA, or USDA loans, the only upfront cost required is the down payment—nothing more. Buying a home could be more affordable than you think!
This explains the different down payment options and closing costs for various loan types:
Let’s add the down payment and closing costs to see the minimum amount of cash you’ll need upfront:
6% of the purchase price (since there’s no minimum down payment).
At least 8% of the purchase price (3% down payment + 5% closing costs).
Minimum of 9.5% of the purchase price (3.5% down payment + 6% closing costs).
This program is for FHA, VA and USDA loans only. Minimum credit score requirements apply. Credits cannot be given as cash. This program is not a Florida State Sponsored Closing Cost Assistance Program. Offer subject to borrower qualifying for the loan, and final underwriting approval.
We understand the specific needs of veterans and strive to provide exceptional service throughout the homebuying process.
We can help disabled veterans explore financing options that consider their unique circumstances, such as using their disability income to qualify and using their disability to waive their VA funding fee.
This is not a Florida State Sponsored Closing Cost Assistance Program. This promotion is for primary residences only.