Down payment programs, deferred loans, and grants available to buyers in Pinellas, Hillsborough, Pasco, Manatee, and Sarasota counties — organized simply, with plain-English guidance.
Most homebuyer assistance programs don't advertise themselves. Qualifying funds exist at the state, county, and city level — but they're tied to specific income thresholds, property locations, and participating lenders. Without guidance, most buyers simply never find them.
That's where this guide comes in. I've compiled every active assistance program available to buyers across the Tampa Bay region into one filterable resource, so you can quickly identify what applies to your situation and act before funds run out.
One important thing to know: most programs require you to work through an approved lender who will apply on your behalf. Getting pre-approved is usually the first step — and it's also the step where I can help you the most.
"The right program can mean the difference between reaching your goals this year — or waiting another three."
Filter by what applies to you. Click any program to read full eligibility details.
2026 Tampa MSA reference: 80% AMI ≈ $66,750 for a family of four · 100% AMI ≈ $83,450 · 150% AMI ≈ $125,175
These are the programs I recommend most consistently to buyers in Pinellas County and the broader Tampa Bay area — based on availability, assistance amount, and what I see working right now.
These are the official government bodies that administer assistance programs across the Tampa Bay region. Always verify current availability directly with the source.
These programs move quickly and details change — sometimes mid-year. Before you apply to anything, let's spend fifteen minutes reviewing your situation. I'll help you identify which programs make the most sense for you and connect you with the right lender to make it happen.