Community First Mortgage

Building Communities

Buyer's first Down payment assistance & Community First Mortgage








Flexible Loan Solutions

Dreaming of owning a home?

At First Federal Bank, we understand that buying your first home is one of life’s biggest milestones, and we’re here to make it easier. Our down payment assistance programs are thoughtfully designed with first-time buyers in mind, helping reduce or even eliminate upfront costs that can often stand in the way.

Whether you're just starting to explore your options or are ready to make an offer, we provide flexible financing solutions, competitive rates, and personal guidance to walk you through every step of the journey. From pre-approval to closing day, our experienced team is committed to helping you navigate the process with confidence.

Let us help you open the door to your new home and a new chapter with trusted support and real financial solutions tailored to your needs.


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Community First Home Mortgage

Eligibility Requirements

  • A minimum FICO score of 600
  • A debt-to-income ratio of 50% or less
  • Borrower income at or below 100% of the county's Area Median Income (AMI)1
  • Exclusive availability4 in Clay, Duval, and Marion counties in Florida.
  • Completion of homebuyer education and counseling services5.

Benefits of the Community First Home Mortgage

  • Up to 100% financing3
  • Lower interest rates
  • Flexible down payment requirements
  • No Private Mortgage Insurance (PMI) required
  • Can be used in conjunction with our Buyer's First Down Payment Assistance

Buyer's First Down Payment Assistance

With First Federal Bank's Buyer's First Down Payment Assistance1, you can gain financial stability and peace of mind knowing that we are here to provide specialized support to help you achieve your homeownership dreams. The Buyer's First Down Payment Assistance is a second mortgage subsidy designed to provide assistance to borrowers struggling to meet the down payment requirements when purchasing a home. Here's what you can expect from our Buyer's First Down Payment Assistance:

About the Program

  • Up to $10,0002 in assistance to cover up to 100% of your down payment, reducing your out-of-pocket expenses.
  • Exclusive availability4 in Clay, Duval, and Marion counties in Florida.
  • Homebuyer education and counseling services are required5


Need help?

At First Federal Bank, we are committed to building communities and ensuring access to credit for all borrowers. These products are just one way we fulfill this commitment and help borrowers achieve homeownership.

Don't let the down payment stand in the way of your homeownership dreams. Take advantage of our exclusive assistance solutions and let us help you make buying a home a reality. Contact us today to get started!

If you need help or would like to discuss your options, fill out the form below and one of our loan officers will be happy to help.


Experienced loan officers to help guide you through the loan process.

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1) The applicant's income must be 100% or less of the county Area Median Income (AMI) for the subject property.
2) The Buyers First Down Payment assistance provides $10,000 to cover up to 100% of down payment and closing costs. Availability and eligibility are subject to county-specific programs and guidelines.
3) Up to 100% financing is based on the lower of the purchase price or appraised value. 
4) Primary residence – The property you purchase must be your primary residence, located in a Majority Minority Census Tract (MMCT) with approved Florida Counties: Clay, Duval, and Marion.
5) Your loan originator will assist you on how to complete this requirement.
 
Availability and eligibility are subject to county-specific programs and guidelines. Terms and conditions apply.
© First Federal Bank is an FDIC insured nationally chartered mutual savings bank approved lender. Restrictions may apply. This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Trade/Service marks are the property of First Federal Bank.

First Federal Bank: Residential Lending Mortgage NMLS: 408902
Equal Housing Lender