The Hardest-Hit Fund Program provides federal funding to States hit by the aftermath the housing crisis and is available in Florida. It includes down payment assistance up to $15,000 for eligible First time home buyers. It is a 5 year deferred loan and forgives 20% per year. It's available in Duval, Clay and soon to be available in St. John's Counties.
There is a First Time Homebuyer requirement unless purchasing in a targeted area or you are a veteran.
This a fantastic program, a great opportunity to be a homeowner and may not be available forever.