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Buying a home in a FEMA flood zone in Tampa Bay affects your insurance costs, DTI ratio, and DPA eligibility. Here's how to navigate flood zone designations and still use down payment assistance in 2026.
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Florida property taxes are escrowed into your monthly mortgage payment and directly affect your DTI ratio — and how much home you can afford with down payment assistance. Learn how Tampa Bay tax bills work for DPA buyers in 2026.
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Florida's average homeowners insurance premium tops $8,000 a year — and if you're using down payment assistance, that monthly cost hits your debt-to-income ratio in ways most buyers don't see coming. Here's how to protect your approval before it's too late.
Read MoreStudent loan debt won't automatically block your DPA in Florida. Learn how DTI limits work for Hometown Heroes, FHA, and USDA. Call (813) 733-7907.
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