Down Payment Assistance
27 articles in this category
What Happens to Your Down Payment Assistance When You Sell or Refinance?
Florida DPA repayment explained: Hometown Heroes, FL Assist, HFA PLUS, and SHIP programs all have different rules when you sell or refinance. Know before you sign.
Teacher and Educator Home Buying Programs in Tampa Bay 2026: The Complete Guide
Tampa Bay teachers can access Florida Hometown Heroes, Good Neighbor Next Door, and county programs to buy their first home. Learn which programs educators qualify for and how to stack them. Call (813) 733-7907.
First Responder Down Payment Assistance in Tampa Bay: What Police, Firefighters & EMTs Need to Know
Tampa Bay police officers, firefighters, and EMTs can access powerful down payment assistance programs including Florida Hometown Heroes and Good Neighbor Next Door. This guide shows how to stack them and buy with little out of pocket.
How to Buy a Home in Tampa Bay Without 20% Down: 2026 Complete Guide
You don't need 20% down to buy in Tampa Bay. FHA, USDA, VA, Conventional 97, and Hometown Heroes let first-time buyers purchase with 3.5% or $0 down. Expert guide from Barrett Henry, REALTOR®.
DPA Income Limits Tampa Bay 2026: Which Programs You Actually Qualify For
Income limits vary by program, some cap at $91,750, others go up to $172,050, and one has no limit at all. See which Tampa Bay DPA programs match your income.
Down Payment Assistance for Healthcare Workers in Tampa Bay: Your Complete 2026 Guide
Nurses, doctors, and healthcare professionals in Tampa Bay have access to exclusive down payment assistance programs. Learn how to stack Hometown Heroes, Nurse Next Door, and more to buy your first home.
Tampa CRA Down Payment Assistance: Up to $100,000 for East Tampa Buyers (2026)
The Tampa CRA Down Payment Assistance program gives first-time buyers up to $50,000 in CRA neighborhoods, and up to $100. Call (813) 733-7907.
Salute Our Soldiers Florida 2026: Up to $35,000 for Military Homebuyers in Tampa Bay
Florida's Salute Our Soldiers program gives veterans and active-duty military up to $35,000 in DPA at 0% interest. Call (813) 733-7907.
Grant vs. Deferred Loan: What Tampa Bay First-Time Buyers Must Know About DPA
Most Tampa Bay DPA programs are loans, not grants, and the difference affects your exit strategy. Call (813) 733-7907.
Home Sweet Home Hillsborough: Up to $15,000 from the County HFA for First-Time Buyers
Hillsborough County's Housing Finance Authority gives first-time buyers up to $15,000 at 0% interest with no monthly payments. Call (813) 733-7907.
How to Buy a Home in Tampa Bay With No Money Down (2026)
Yes, it's possible to buy a home in Tampa Bay with $0 down. Here are 5 real paths, USDA, VA, FHA+DPA stacking, Chenoa. Call (813) 733-7907.
Gift of Equity in Florida: How First-Time Buyers Can Purchase a Family Member's Home
A gift of equity lets a family member sell you their home below market value, and the difference becomes your down payment. Call (813) 733-7907.
Home Key Plus Second Mortgage: Up to $10,000 DPA in Pinellas, Pasco & Polk
Home Key Plus launched in May 2026 and gives eligible first-time buyers up to $10,000 in Pinellas County and $7. Call (813) 733-7907.
City of Tampa Dare to Own the Dream: Up to $50,000 for First-Time Buyers (2026 Guide)
Tampa's DARE program gives income-qualified first-time buyers up to $50,000 toward down payment and closing costs. Call (813) 733-7907.
Manatee County Down Payment Assistance 2026: $15,000 HFA Program Explained
Manatee County's HFA Key to Homeownership program gives first-time buyers up to $15,000 at 0% interest.
Pinellas County Down Payment Assistance 2026: Up to $75,000 for First-Time Buyers
Pinellas County's Community Development DPA gives first-time buyers up to $75,000 at 0% interest, more than any neighboring county. Call (813) 733-7907.
Good Neighbor Next Door Program: How Florida Teachers, Police & Firefighters Can Buy at 50% Off
HUD's Good Neighbor Next Door program gives teachers, law enforcement, firefighters, and EMTs a 50% discount on a home, plus just $100 down.
Pasco County Down Payment Assistance 2026: Get Up to $65,000
Pasco County's SHIP-funded DPA gives first-time buyers up to $65,000 at 0% interest, more than any neighboring county. Call (813) 733-7907.
Chenoa Fund Stacking: Combine DPA Programs in Tampa Bay (2026)
Stack the Chenoa Fund (no income limit) with Hometown Heroes and seller concessions for near-$0 cash to close. See how it works. Call (813) 733-7907.
Gift Funds for Down Payment in Florida: Rules by Loan Type
Family gift funds can cover 100% of your down payment on FHA, VA, and conventional loans. See the documentation rules to avoid delays. Call (813) 733-7907.
HFA PLUS Florida: Up to $15,000 Forgiven After 5 Years (2026)
Florida HFA PLUS gives $9K-$15K at 0% interest, fully forgiven after 5 years. See how Tampa Bay first-time buyers qualify. Call (813) 733-7907.
Hometown Heroes 2026: Get Up to $35,000 in Down Payment Help
Florida Hometown Heroes gives first-time buyers $10K-$35K at 0% interest. See income limits by county, eligible jobs. Call (813) 733-7907.
FHA + Hometown Heroes Stacking: $0 Down in Tampa Bay (2026)
Stack FHA with Hometown Heroes for $0 down in Tampa Bay. See income limits, credit score requirements, and how the math works. Call (813) 733-7907.
SHIP Funds 2026: Get $30K+ in Hillsborough & Pinellas County
Hillsborough SHIP gives $25K and Pinellas SHIP gives $30K in DPA, stackable with Hometown Heroes for $50K+ total. See how to apply. Call (813) 733-7907.
Chenoa Fund 2026: Down Payment Help With No Income Limit
Chenoa Fund covers 3.5%-5% down with NO income limit, the DPA program most Tampa Bay buyers overlook. Call (813) 733-7907.
Wells Fargo & Chase Grants 2026: Up to $10K for First-Time Buyers
Wells Fargo and Chase offer $2,500-$10,000 in free grants, no repayment. See eligibility for Tampa Bay and how to combine with DPA. Call (813) 733-7907.
Bank of America Grants 2026: Up to $17,500 for First-Time Buyers
Bank of America offers $17,500 in free grants for first-time buyers, no repayment. Call (813) 733-7907.
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