Check What You Qualify For

Your journey to owning a family home in Miami, Tampa, Orlando, or Southwest Florida starts here. Understand your options and unlock your dream home.

Florida Homebuyer Calculator

Complete qualification analysis for Miami, Tampa, Orlando, Naples, Fort Lauderdale, Fort Myers & Cape Coral

Your Information

Annual Household Income *

Monthly Debt Payments

Car loans, credit cards, student loans

Available Down Payment

Credit Score Range *

Florida Market *

Household Size

Employment Years

Veteran or Active Military First-Time Homebuyer Essential Worker (Teacher, Healthcare, First Responder) Self-Employed

Florida-Specific Considerations

Hurricane & Flood Insurance

Hurricane insurance is essential in Florida. Flood insurance may be required in flood zones. Budget an additional $150-200/month for comprehensive coverage.

Property Tax Variations

Property tax rates vary significantly by county. Miami-Dade and Broward have higher rates, while some areas like Naples have lower rates but higher home values.

HOA Communities

Many family-friendly Florida communities have HOAs. Factor in $100-300/month for amenities like pools, playgrounds, and maintenance.

Pest & Termite Inspection

Termite inspections are crucial in Florida's climate. Budget $300-500 for initial inspection and ongoing prevention treatments.

Higher Utility Costs

Florida's heat means higher AC costs. Budget $200-400/month for utilities depending on home size and energy efficiency.

Pool Maintenance

Many Florida homes have pools. If included, budget $100-200/month for maintenance, chemicals, and equipment.

Important Disclaimer:

This calculator provides estimates only. Actual qualification amounts depend on full financial review, current market conditions, and lender requirements. All government programs are subject to availability and eligibility requirements. Interest rates and market data are estimates. Consult with licensed professionals for specific advice and current program details.