First-Time Homebuyer Guide for Florida’s Treasure Coast, Palm Beach County and the Space Coast (2026): Down Payments, Programs, Closing Costs and the Steps in Order

Buying your first home in Florida is more doable than the headlines suggest, but only if you know the numbers: 3 to 3.5 percent down, up to $10,000 to $35,000 in state help if you qualify, closing costs that include taxes most states don’t charge, and a property tax bill that resets the year after you buy. Here’s the whole process in order, from the Treasure Coast to the Space Coast, with every figure dated and sourced. Message me for a free one-on-one Zoom meeting and we’ll walk through yours.