Homebuyers

Homebuyer Education Programs 
Housing Finance Authority Bond Program
Habitat for Humanity

Homebuyer’s Rights: Lenders are not allowed to discriminate in any way against a potential borrower. If a lender is refusing to provide services based on race, color, religion, sex, national origin, age, marital status, familial status, disability, sexual orientation, pregnancy, gender identity or expression, or veteran or service member status, contact HUD’s office of fair housing at 800-669-9777.

Loan Fraud:  Loan Fraud is purposely giving incorrect information when applying for a loan. Fraud may result in civil liability or criminal penalties. A victim of fraud or predatory lending can contact a HUD at 800-347-3735 to report it.

Downpayment and Purchase Assistance

The City's downpayment program seeks to help households reach the dream of homeownership.

The program can help with a 0% interest rate loan toward downpayment and closing costs. 

Loan Terms
  • Households at or below 50% median income: Up to $75,000, loan is deferred for 25 years and forgiven after 25 years if remains in compliance during that time (federal HOME funding only)
  • Households between 51-80% median income: Up to $75,000, loan is deferred for 5 years, 1/2 of loan is paid back in monthly payments over the next 20 years, and the other half is forgiven at the end of that term if remains in compliance during that time (federal HOME funding only)
  • Households between 81-120% median income: Up to $40,00, loan is deferred for 5 years, and then full loan is paid back in monthly payments over 20 years (Limited funding available for this income level) (state SHIP funding only)
  • Households between 121-140% median income: Up to $15,000, loan is deferred for 5 years, and then full loan is paid back in monthly payments over 10 years (Limited funding available) (state SHIP funding only)
  • Additional down payment funds may be available through State Bond Program
  • Income levels available to serve may be limited by funding availability throughout the year

To get started, contact the City's third-party program administrators: 
Suncoast Housing Connections (727) 442-7075
Tampa Bay Neighborhood Housing Services (727) 442-4155


General Eligibility Requirements

Downpayment Program Income Limits & Maximum Purchase Prices

Homebuyer Classes & Counseling

Consejera de Vivienda

Other Available Downpayment Programs