Down payment programs, deferred loans, and grants that may be available to buyers in Pinellas, Hillsborough, Pasco, Manatee, and Sarasota counties — organized for general reference, with plain-English guidance.
Programs change frequently. Funding can open, pause, or close with little notice. The fastest way to know what you may qualify for right now is to request a current program review.
Most homebuyer assistance programs don't advertise themselves. 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.
This guide is a reference to the types of assistance programs that have existed for buyers across the Tampa Bay region. Use it to understand what may be available for your situation — then reach out so we can check what's currently funded, open, and a fit for you.
Program details, funding, and eligibility change throughout the year. I stay current on what's available so you don't have to — and getting pre-approved with the right lender is usually the first step where I can make the biggest difference.
"The right program can mean the difference between reaching your goals this year — or waiting another three."
Filter by what applies to you to see programs that may be relevant to your situation. Details are for general reference — contact Caroline for current funding status and availability.
2026 Tampa MSA reference: 80% AMI ≈ $66,750 for a family of four · 100% AMI ≈ $83,450 · 150% AMI ≈ $125,175
Program availability, funding, eligibility, and guidelines are subject to change. Information on this page is for general education only and does not guarantee approval, funding, or eligibility. Always verify current status directly with the program provider or contact Caroline for a current program review.
These are the official government bodies that administer assistance programs across the Tampa Bay region. Always verify current availability directly with the source.
Program funding opens and closes throughout the year — sometimes with very little notice. The only way to know what you actually qualify for right now is to have a conversation. I'll check current availability, identify which programs fit your situation, and connect you with the right lender.