Hillsborough County Down Payment Assistance Programs — 2026 Guide

Hillsborough County is the largest county in the Tampa Bay area and offers its own down payment assistance programs alongside Florida's statewide options. Buyers purchasing in Tampa, Brandon, Riverview, Valrico, Plant City, and other Hillsborough communities may qualify for additional help.

Hillsborough County DPA Overview

The Hillsborough County Affordable Housing Office administers local assistance programs funded through federal Community Development Block Grant (CDBG) and HOME Investment Partnerships funds. These programs are separate from state DPA and can sometimes be combined with Florida Housing programs with Florida Housing programs for maximum benefit.

Who Qualifies in Hillsborough County?

According to the Hillsborough County government, eligibility requirements for local DPA typically include household income at or below 80% of the area median income (AMI), purchase of a home within Hillsborough County, use as a primary residence, completion of a HUD-approved homebuyer education course, and first-time homebuyer status (no ownership in past 3 years).

Income limits are based on household size and change annually. Contact the Hillsborough County Affordable Housing Office or connect with Barrett Henry for current limits.

How Much Assistance Is Available?

Local Hillsborough County programs have historically offered $15,000 to $40,000 in assistance depending on the program cycle and available funding. These funds are typically structured as deferred-payment or forgivable loans. Funding is limited and operates on a first-come, first-served basis.

Combining County and State DPA

One of the biggest advantages for Hillsborough County buyers is the potential to stack local assistance with state programs. For example, you might receive $10,000 from FL Assist plus $20,000 from a Hillsborough County program, dramatically reducing your out-of-pocket costs. Not all combinations are allowed, so working with a knowledgeable REALTOR® and approved lender is essential.

Cities Covered in Hillsborough County

Hillsborough County DPA programs cover all unincorporated areas as well as the cities of Tampa, Temple Terrace, and Plant City. Buyers in Brandon, Riverview, Valrico, Lithia, Lutz, and other communities within the county also qualify.

Barrett Henry, REALTOR® with REMAX Collective, specializes in helping Hillsborough County buyers access every available program. With 23+ years of real estate experience, Barrett can guide you through both state and county applications. Call (813) 733-7907 for a free consultation.