What Is Down Payment Assistance and How Does It Work?
Down payment assistance (DPA) programs help homebuyers cover their down payment through grants, forgivable loans, or deferred-payment second mortgages. Learn how DPA works in Florida.
Read MoreDown Payment Assistance Blog
Straight-talk guides on DPA programs, first-time buyer tips, and everything Tampa Bay homebuyers need to know about getting help with their down payment.
First-Time Homebuyer Programs in Tampa Bay — 2026 Guide
Tampa Bay first-time buyers have access to grants, forgivable loans, and below-market rates. Here are the top programs available in Hillsborough, Pinellas, Pasco, and surrounding counties.
Read MoreFlorida Hometown Heroes Program — What You Need to Know in 2026
The Florida Hometown Heroes program offers up to 5% of your loan for down payment and closing costs. Learn who qualifies, income limits, and how to apply in Tampa Bay.
Read MoreFL Assist vs. Hometown Heroes — Which DPA Program Is Better?
Comparing Florida's two biggest DPA programs: FL Assist offers $10,000 with no monthly payments, while Hometown Heroes provides up to 5%. Here is how they compare for Tampa Bay buyers.
Read MoreHow Much Down Payment Do You Actually Need to Buy a Home in Tampa Bay?
You may not need 20% down to buy a home in Tampa Bay. FHA loans require 3.5%, and DPA programs can cover most or all of it. Here is what you really need.
Read MoreCredit Score Requirements for Down Payment Assistance in Florida
Most Florida DPA programs require a 640 credit score, but some options exist for buyers with lower scores. Learn the requirements and how to improve your score before applying.
Read MoreClosing Costs in Tampa Bay — What Buyers Actually Pay in 2026
Tampa Bay closing costs typically run 2% to 4% of the purchase price. Learn what fees to expect, which DPA programs cover closing costs, and how to reduce your total out-of-pocket costs.
Read MoreHillsborough County Down Payment Assistance Programs — 2026 Guide
Hillsborough County offers local DPA programs on top of state assistance. Learn about county-specific grants, income limits, and how Tampa and Brandon buyers can qualify.
Read More5 Down Payment Assistance Myths That Keep Tampa Bay Buyers Renting
Many Tampa Bay renters believe they cannot afford to buy a home. These 5 DPA myths are holding them back — here is the truth about down payment assistance in Florida.
Read MoreDown Payment Assistance for Veterans in Tampa Bay — VA Loan + DPA Guide
Tampa Bay veterans can combine VA loan benefits with Florida DPA programs for maximum savings. Learn how Hometown Heroes and county programs work with VA loans.
Read MoreHave Questions About Down Payment Assistance?
Barrett Henry, REALTOR® with REMAX Collective, offers free guidance on every DPA program available in Tampa Bay. No obligation, no pressure — just honest answers.