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Buying in Wesley Chapel, Land O' Lakes, New Port Richey, or Trinity? Pasco County offers up to $65,000 in down payment assistance for qualified buyers. Here is everything Tampa Bay buyers need to know in 2026.
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Buying in Wesley Chapel, Land O'Lakes, or another Tampa Bay master-planned community? Learn how Community Development District fees affect your DPA loan approval, debt-to-income ratio, and which programs still work when you're buying in a CDD.
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Down payment assistance solves your upfront problem. Florida's homestead exemption solves the ongoing one. Here's how first-time Tampa Bay buyers who used DPA can stack both benefits and cut their housing costs for the life of the loan.
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Florida's new Home Key Plus program launched in May 2026, offering up to $10,000 in Pinellas County and $7,500 in Pasco and Polk counties as a 0% deferred second mortgage for buyers in targeted census tracts.
Read MoreThe State Housing Initiatives Partnership (SHIP) program funds local down payment assistance across all 67 Florida counties. Learn how much SHIP offers in Hillsborough, Pinellas, and Pasco, and how to stack it with Hometown Heroes.
Read MoreThe Florida Hometown Heroes program has two versions — Bond and TBA — that count income differently, accept different loan types, and carry different rates. Learn which one is right for you.
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Florida Housing sets annual purchase price limits that cap the home value eligible for DPA. Learn the 2026 limits for Tampa Bay counties, how targeted areas raise the cap, and what to do if the home exceeds it.
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Pasco County offers SHIP funds and local DPA for buyers in Wesley Chapel, Land O'Lakes, Zephyrhills, and beyond. Learn what is available in 2026. Call (813) 733-7907.
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Hometown Heroes income limits vary by county and household size. See 2026 limits for Hillsborough, Pinellas, Pasco, Polk, and Manatee counties. Call (813) 733-7907.
Read MoreLand O'Lakes buyers can qualify for state and Pasco County DPA programs worth thousands. Learn income limits, eligible homes, and how to apply. Call (813) 733-7907.
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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.
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