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Non-U.S. citizens including green card holders and certain visa holders can qualify for down payment assistance in Florida. Learn which FHFC programs are available, what documentation you need, and how to buy a home in Tampa Bay as a non-citizen.
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The Florida Homeownership Loan Program (FL HLP) is a down payment assistance option that comes with a small monthly payment. Here's how it works, how it compares to FL Assist, and when Tampa Bay buyers should consider it.
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When a home appraises below the purchase price, DPA buyers face a compounding problem: the assistance amount shrinks AND the gap grows. Here's how Florida's DPA programs handle low appraisals — and your options to save the deal in Tampa Bay's 2026 market.
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Florida offers two types of down payment assistance: forgivable loans that disappear after you meet an occupancy requirement, and deferred loans repaid only when you sell or refinance. Here's how to choose.
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Some Tampa Bay suburbs qualify for USDA zero-down loans. Combine with DPA to cover closing costs and bring almost nothing to closing. Learn which areas qualify. Call (813) 733-7907.
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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.
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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.
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