What are the popular mortgage programs on second home in a different state?

If you are moving and the new home in Florida will be your Primary Residence, then you can do it with just 3.5% down using FHA, or 5% down conventional.. however if you are purchasing it as a true "2nd Home".. then you will need a minimum of 10% down, more if you're looking at a condo or MFH. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

FHA only allows for Owner Occupied homes to be financed. You can do 10% down on conventional for a second home.

Yes the best option will be 10% down.

Conventional financing for second home is 10% down

Second homes would need to be purchased with a conventional loan. That would generally require a minimum 5% down payment.