Your Guide to Buying a Home in the Sunshine State of Florida

Steps to buying a home in Florida

Buying a home in Florida is exciting, but the process can feel a little overwhelming if you don’t know where to start. The good news is that breaking it down step by step makes it much easier to navigate. Here’s what you can expect as you go from house hunting to getting the keys to your new Florida home.

1. Evaluate if you’re ready to buy

Before looking for homes in Florida, you want to determine if you’re ready to purchase one. Consider factors such as how long you plan to be in the area, if you have steady employment, and if you have enough money saved for not just the down payment, but for closing costs, maintenance, property taxes, and more. Homebuyers in Florida pay an average of 2% to 5% of the purchase price in closing costs.

During this time, review your credit score and determine if it’s considered excellent, good, fair, or poor. Typically, the higher your credit score, the lower your interest rate will be, which saves you money over the life of the loan. You may want to pay off any collections accounts, dispute errors on your credit report, and pay down your credit card balances before you start shopping for a home.

»Learn more: Ready to find out what kind of home fits your budget? Use our Home Affordability Calculator to estimate what you can comfortably spend and take the first step toward finding a place you’ll love.

2. Save for your down payment

The median home price in Florida is $399,000 as of July 2026. So, expect to spend somewhere around that number depending on what part of Florida you’re purchasing in, the home’s age and condition, and the size of the property, among other factors.

Different loan programs will require different down payment amounts, but you don’t always need to put 20% down when buying a home. A survey completed by the National Association of Realtors found that first-time homebuyers put just 10% down on average in 2025.

Raymer says that for her clients, especially first-time buyers, she suggests an FHA loan, which only requires 3.5% down. “FHA is really one of the best options,” she advises. She adds that Florida also has numerous down payment assistance programs, many of which are tied to state bond money.

“The programs can come and go, but buyers can Google current programs and see what they qualify for,” she says.

Consider the following down payment assistance programs in Florida:

• Florida Assist (FL Assist): The Florida Assist program will loan up to $10,000 in closing costs on approved FHA, VA, USDA, and conventional mortgage loans. The loan is repaid as a 0% interest second mortgage, which is deferred until the homeowner either sells, refinances, or no longer occupies the property.
• HFA Preferred and HFA Advantage PLUS Second Mortgage: As part of their first-time homebuyer program, eligible Florida buyers can receive between 3% and 5% of the total loan amount in a forgivable second mortgage. The second mortgage is forgiven at 20% per year, over a 5-year term. Buyers must obtain a conventional first mortgage through Florida Housing, and must meet certain income and credit requirements.
• Florida Hometown Heroes Housing Program: For buyers who work the front lines of public safety or healthcare, including military members, the Florida Hometown Heroes program offers lower-than-market first mortgage interest rates on standard mortgage loans. You can also get up to 5% of the mortgage loan amount as down payment and closing cost assistance. Buyers must meet specific income and purchase price limits, and must be currently employed in one of the approved occupations.

3. Get preapproved for a mortgage

Getting preapproved for a mortgage will help you determine how much you can afford, which will then inform your home search. It’s always smart to shop around for the best rates and terms, so be sure to research a few different lenders during this process.

You can also ask family, friends, your buyer’s agent, and attorneys for mortgage lender recommendations. When choosing a mortgage lender, ask for a detailed cost breakdown, review the terms you are being offered, and compare loan types.

According to the US Consumer Financial Protection Bureau (CFPB), there are three general categories of mortgage:

Conventional

A conventional loan is a type of mortgage that isn’t backed or insured by the government. There are two types of conventional loans: conforming and non-conforming. A conforming conventional loan will meet or exceed the guidelines set by Fannie Mae and Freddie Mac, which are government-sponsored enterprises (GSEs) that purchase conventional loans. Guidelines for a non-conforming loan will vary more widely depending on the lender.

Non-conforming loans are for borrowers who don’t meet Fannie Mae and Freddie Mac’s requirements. Since these loans fall outside their guidelines, they can’t be bought by either organization. Jumbo loans are one example, as they allow borrowers to take out loan amounts that are higher than the limits set by Fannie Mae and Freddie Mac.

FHA loans

An FHA loan is insured by the Federal Housing Administration and available from FHA-approved lenders. An FHA loan is unique in that borrowers can use a down payment assistance program for the entire down payment.

Similar to conventional conforming loans in this way, FHA loans have loan limits that vary from county to county. For example, in Alachua County, FL, the maximum loan amount is $541,287 for a single-family home, while in Monroe County, FL, the loan limit is $990,150.

Special programs

VA loans: This financing option is for veterans, service members, and surviving spouses. Loans backed by the VA offer 0% down payments for those who qualify. Different lenders will have different requirements, but VA-backed loans don’t have a universal maximum DTI requirement.

USDA loans: These loans, backed by the United States Department of Agriculture, are for lower-income borrowers in “rural areas.” To determine if the area you are purchasing in is eligible for a USDA home loan, use this eligibility map. These loans also offer 0% down for qualified borrowers.

4. Research the market and determine where you would like to buy

Now that you know more about preparing to purchase a house and down payments, it’s time to decide where you want to live. Do you want to live near family and friends, start over in a new city, live on the coast, or in a more rural area? Consider work commute times, average house prices, and things to do in each area that you’re thinking about living in.

Some great places to consider when buying a house in Florida include:

St. Johns County: Ranked #1 for best counties to live in Florida, the coastal county of St. Johns includes the communities of St. Augustine, Ponte Vedra Beach, and Nocatee. Known for having some of the best schools in the state, St. John’s is a popular region for families. And if you love being near the ocean, there are more than 40 miles of beaches to explore. St. John’s popularity does mean home prices might be a bit higher, with a median home price of $540,000.

Hillsborough County: Hillsborough is Florida’s fourth most populous county, and includes the city of Tampa, as well as smaller communities like Riverview and Sun City Center, a very popular 55+ only suburb. The current median price for listed homes here is $429,999. Hillsborough has a rich history, with numerous historic homes and sites, all of which the county works to maintain and preserve. Living here also means access to more than 170 parks, excellent schools, and of course, beaches.

Alachua County: Located in the north-central part of Florida, Alachua County is home to the University of Florida, which is part of the city of Gainesville. Much of the county’s economy centers around the school, and it is the county’s largest employer.

This county is a smaller, family-friendly area that offers a quieter lifestyle without the tourist crowds you’ll find in some beach towns. Homes here are listed for a median price of $325,000. The county boasts several amazing freshwater springs, as well as proximity to several lakes and rivers, making it a great place for hiking, fishing, and camping.

Orange County: Amusement park fans will rejoice at the idea of living in Orange County, home to the bulk of Disney World’s resorts, as well as Universal Studios and Universal Volcano Bay. Cities here include the county seat of Orlando, and smaller communities such as Apopka, Winter Garden, and Maitland. Homes in Orange County are listed for a median price of $435,500, and the county was recently ranked as the Best County for Young Professionals.

5. Find a local Florida agent

Real estate agents almost always appreciate it when their clients come to them to start home shopping after getting preapproved for a mortgage. This typically means that a buyer is ready to go and can start making offers. Pick a knowledgeable agent who specializes in representing buyers in the area you want to purchase in.

The buyer’s agent can help you create a wishlist, set up viewing appointments for you, tell you more about what’s going on in the neighborhood, negotiate on your behalf, and connect you with other vendors such as a title company, insurance agent, and home inspector. Real estate agents are also incredibly knowledgeable about the homebuying process as a whole and can hold your hand throughout the process to keep closing on track.

6. Start shopping for homes in Florida

Once you start your hunt for the perfect Florida home, you’ll find a wide range of home types, styles, and locations. Whether you’ve dreamed of living right on the beach or want a high-rise condo in the middle of a big city, Florida offers a bit of everything.

As far as home styles go, new construction is trending toward a country style, says Raymer. “There are a lot of front porches, and they tend to have a cottage feel,” she says. Buyers will also find a lot of coastal home designs, as well as a good number of condos and townhomes.

Do note that when families start relocating, the housing market can often get a little more competitive, especially during the summer. That said, every year looks a little different, with some seasons bringing more activity than others.

Raymer recommends that buyers who really want a deal should consider doing their house hunting during the winter months, especially the holidays. “People who sell during the holidays are serious about it and motivated,” she says, “which means buyers might be able to negotiate a bit more.”

7. Make a strong offer

Making a winning offer can sound overwhelming. When there’s a lot of competition, a cash offer can help your offer stand out from the crowd. Another way to make your offer more appealing is by being flexible with contingencies. While waiving every contingency isn’t always the best move, trimming them down to the essentials, like inspection and mortgage contingencies, can help you compete without taking on unnecessary risks.

Get creative with your offer. You may want to offer a larger earnest money deposit, schedule a quick closing, or even consider letting the seller rent the house back from you for a certain period of time.

Raymer cautions buyers against making low-ball offers. “With the shifts in the market, there’s more room for negotiation, but you still need to make a reasonable offer,” she says. “I would say don’t come in at less than 3% lower than the asking price.”

8. Send your earnest money deposit

Your earnest money deposit, also known as a “good faith deposit,” is an amount of money you agree to pay the seller to show that you’re serious about purchasing the home. This is usually between 1% and 3% of the purchase price. However, a higher deposit can be more attractive to sellers and make your offer stand out in competitive markets.

Whether or not you get your earnest deposit money back if you decide to back out of the sale depends on the contract. If you decide to back out of the purchase for any reason not specified in the contract, you could forfeit your earnest money. Be sure to review the contract with your real estate agent and attorney before making any decisions.

9. Order a title search

Ordering a title search can be done any time after your offer is accepted. However, it’s a good idea to do it as soon as possible because it may take a couple of weeks for the title search to come back, especially if the title company is backed up. Who customarily chooses the title company can vary by state and even county, but if it is the buyer’s choice, your real estate agent or mortgage lender will likely have a recommendation.

The title company will issue a preliminary title report that will be reviewed by all parties, including your lender. The document will include items such as property tax information, easements, CC&Rs, deed restrictions, liens, and any judgments against the title of the home. Any liens, encumbrances, or judgments against the property will need to be removed before the buyer can close on the property.

Aside from liens or judgments, there are a few other title issues that might crop up. These include:

• Errors in a prior deed
• Illegal deeds
• Missing heirs
• Boundary and survey disputes

Most of these are easily resolved, but you may need the help of an attorney if there are any major disputes.

10. Shop for homeowners and specialty hazard insurances

Homeowners insurance is always recommended, and it is almost always required if you’re financing your home with a mortgage. The average yearly cost of homeowners insurance in Florida is $1,879. Depending on the home’s location, buyers may also be required to purchase flood insurance, which, in Florida, averages $853 per year.

11. Order inspections and appraisal

If you’re applying for a mortgage, your lender will most likely order the appraisal, and you will pay for it. You will be responsible for ordering your own inspections with the help of your buyer’s agent, again, at your own cost.

Your agent can recommend a licensed home inspection company if you don’t have one. The home inspector will schedule a date and time to inspect the house. Depending on its size, it may take a couple of hours to complete.

Some common issues in homes in Florida include:

• Water damage
• Insufficient grading for drainage
• Foundation issues
• Roof damage

A good inspector will check for all of these things and present you with a comprehensive report of their findings. Raymer says buyers should also consider separate inspections for termites, HVAC systems, and swimming pools.

12. Negotiate repairs

Remember that everything is negotiable. If you have an inspection contingency in your contract, and the inspection report comes back with tens of thousands of dollars of necessary repairs, it’s time to negotiate.

“There is definitely more room for negotiation these days than in previous years,” says Raymer, who also notes that buyers should still stick to those repair items that affect health and safety.

Talk to your buyer’s agent and come up with a plan for what to ask for during negotiations. Do you want a credit for the leaky roof or would you rather a licensed contractor repair it before settlement? If the house needs two new toilets, are you willing to walk away if the seller refuses to budge during negotiations?

Keep the bottom line in mind, but don’t nitpick. Home inspectors are meant to be thorough. Focus on major repairs that need to be done ASAP and are going to be costly.

13. Complete the final walkthrough

The final walkthrough is your chance to make sure any agreed-upon repairs are finished and that everything looks good before you officially close on the home. It’s usually done a day or two before the closing date. With the help of your agent, check that all plumbing, electrical, and HVAC units are on and working. If personal items such as the dining room chandelier and the washer and dryer were included in the contract, make sure they’re still in the house.

Buyers should never attend the final walkthrough without their agent, and they should bring along the repair addendum to the purchase agreement for the house. Your agent can help you stay on track by making sure all agreed-upon repairs are completed. Bringing a copy of the repair list with you can also help you check that nothing gets overlooked during the walkthrough.

If you notice that agreed-upon repairs weren’t completed or that the seller left behind any damage, let your agent know right away. They can help address the issue and work toward a solution before closing.

14. Close on your new home

You made it! After what might feel like a long wait, your closing date is set, and you’re ready to move into your new home. The closing process in Florida is fairly straightforward, with everything processed through the title company.

Keep in mind that there can also be occasional things that could go wrong at closing that may affect your closing date. So as a buyer, you’ll want to make sure of the following:

• Don’t buy any big-ticket items that could affect your credit score before closing
• Don’t change or quit your job
• Make sure you understand and follow instructions for your down payment funds, whether the title company requests a wire transfer or you’re bringing in a cashier’s check (no personal checks allowed!)
• Verify that your legal name is on all of your documentation, and that it’s spelled correctly.

The title can take a day or two to record after closing, but once you sign off on all the closing documents, you’ll get the keys to your new home and can start moving in.

What if you need to buy before you sell?

Trying to buy a new home while selling your current one can create a frustrating timing dilemma. If you buy first, you may have to manage overlapping payments and find a way to cover upfront costs before your old home sells. If you sell first, you might end up feeling rushed to purchase your next home before the right one comes along.

HomeLight’s Buy Before You Sell program is designed to help solve this challenge by giving eligible homeowners access to their home equity to help fund their next purchase before selling. With this option, you can shop with more confidence, avoid making rushed decisions, and have more control over your move.

Watch the video below to learn more about this program.

Here's How You Can Buy Before You Sell in Florida

With HomeLight Buy Before You Sell, you can make a strong, non-contingent offer on your new home without waiting to sell your current home. This modern bridge solution unlocks the equity in your existing property, streamlining the entire process so you win the home you want — and move only once.

Learn more

Ready to buy a home in Florida?

Buying a home in Florida can be an exciting journey, whether you’re dreaming of a beachside escape, a place to raise your family, or a fresh start in a new community. With so many cities, neighborhoods, and home options to choose from, it’s normal to feel a little overwhelmed at first. The good news is that knowing what to expect and having the right support can make the process much easier.

A local real estate agent can help you find the right home, understand the market, and guide you through the details from start to finish. Ready to make your Florida home dreams a reality? Partner with a trusted real estate agent through HomeLight to find an expert who can help you navigate your home search.

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