Down Payment
14 articlestagged “Down Payment”
Multigenerational Home Buying in Tampa Bay: How Families Are Pooling Resources in 2026
Tampa Bay has the highest share of multigenerational listings in Florida at 9%. Learn how families pool income, use ADU rental income to qualify, and find the right home together. Call (813) 733-7907.
Rent-to-Own Homes Tampa Bay 2026: Is a Lease Option Right for First-Time Buyers?
Considering rent-to-own in Tampa Bay? Understand how lease options work, what they really cost, and whether a traditional mortgage with down payment assistance is a better path. 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. Here's how it works in Florida. Call (813) 733-7907.
80/10/10 Piggyback Loan: Avoid PMI with Only 10% Down in Tampa Bay
An 80/10/10 piggyback loan lets Tampa Bay first-time buyers skip PMI with just 10% down. Learn how it works, what it costs, and whether it beats paying PMI and waiting. Call (813) 733-7907.
Using Your 401(k) to Buy a Home in Tampa Bay: Loan vs. Withdrawal Rules for 2026
Your 401(k) can help fund a first home, but the rules differ sharply from an IRA. Learn the 401(k) loan vs. hardship withdrawal trade-offs before tapping retirement savings. Call (813) 733-7907.
ITIN Mortgage Tampa Bay: Buy a Home Without a Social Security Number
Tampa Bay residents using an ITIN instead of an SSN can still buy a home. Learn the loan programs, down payment requirements, lender types, and step-by-step process for 2026.
Using Your Roth IRA to Buy Your First Home in Florida: The 2026 Rules Explained
First-time buyers in Tampa Bay can tap Roth IRA contributions — plus up to $10,000 in earnings — penalty-free for a home purchase. Florida's zero state income tax makes this strategy especially powerful. Call (813) 733-7907.
How to Save for a Down Payment While Renting in Tampa Bay
Paying rent every month while trying to save for a down payment feels like running uphill. Here's the math, the strategies, and the programs that change the game for Tampa Bay renters.
HomeReady vs Home Possible: 3% Down Conventional Loans for Tampa Bay Buyers (2026)
Fannie Mae HomeReady and Freddie Mac Home Possible let Tampa Bay first-time buyers put just 3% down with lower PMI and flexible income rules. Compare both programs, see 2026 income limits, and learn how to stack them with Hometown Heroes.
Wesley Chapel New Construction + DPA: 226+ Communities (2026)
Wesley Chapel has 226+ new-build communities starting at $300K. Stack DPA programs for $0 down on new construction. See builders and prices. Call (813) 733-7907.
Brandon FL First-Time Buyer Guide 2026: Programs & Prices
Brandon FL homes start around $280K with $35K in DPA available. See programs, neighborhoods, and prices for first-time buyers. Free eligibility check — call (813) 733-7907.
PMI Explained: How to Save $200+/Month as a First-Time Buyer
PMI costs $100-$300/month on a typical Tampa Bay home. Learn what triggers it, how to remove it, and 3 strategies to avoid it entirely. 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.
Down Payment in Tampa Bay: $0 to 20% Options Compared (2026)
Tampa Bay first-time buyers can buy with $0-3.5% down using DPA programs. See real payment comparisons at every level and how to qualify. Call (813) 733-7907.
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