Buying a home in Florida involves a significant down payment, typically ranging from 10% to 20% of the purchase price. First-time homebuyers often pay around 7% and can access assistance programs. Factors influencing down payments include housing market trends, regional variations, and personal financial situations. Cash offers can eliminate down payment requirements. Florida offers various assistance programs, such as the Florida Housing First Time Homebuyer Program, to help buyers manage down payments. Practical saving strategies include budgeting and using high-yield savings accounts.