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Buying in St. Petersburg, Clearwater, Largo, or unincorporated Pinellas County? Up to $75,000 in down payment assistance is available through county and city programs. Here is what Tampa Bay buyers need to know in 2026.
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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.
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The 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.
Read MorePinellas County offers SHIP funds and local DPA on top of state programs. Learn what St. Pete, Clearwater, and Largo buyers can access 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.
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Largo buyers in Pinellas County can access local and state DPA programs. Learn about eligibility, income limits, and how to apply for help in 2026. Call (813) 733-7907.
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Clearwater homebuyers can access Pinellas County DPA, state programs, and city grants. Learn which programs are available, who qualifies, and how to apply. Call (813) 733-7907.
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Florida teachers qualify for Hometown Heroes and other DPA programs. Learn about educator-specific benefits, income limits, and how Tampa Bay teachers can buy a home with help.
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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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