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City Down Payment Assistance

HOMEOWNERSHIP IS A REALITY!

Down Payment and Closing Cost Assistance

The State of Florida offers different programs through counties, cities and agencies; providing up to $20,000 in funds to help you with the Down Payment and Closing Cost making homeownership a reality. Some of the programs allows you to buy a home for as little as $1,500.

We will get you pre-approved for the assistance funds, the FHA loan and help you find your new home!

Latest Closings

Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $39.48

Milan Quesada Family

Escrow/Deposit $400 + Inspection $300 + Appraisal $485 + The day of closing $14.41

Loret de Mola Family

Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $35.00

Gonzales Family

Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $257.38

Gregory Family

Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $75

Mulet Family

Escrow/Deposit $500 + Inspection $300 + Appraisal $485 + The day of closing $295.28

Neal Family

Most buyers qualify to buy a home!

Little Cash

The only money you need in most programs is $1,500

Easy To Qualify

2 years employment history
Medical Collections do not matter

Start To End

We help you with the entire process down payment assistance, FHA loan, and a qualify real estate agent will help you find your dream home.

Online Pre-Qualification Calculator

Where would you like to live:
Number of people living in household:
Total Household Yearly Income:
Loan Applicant Total Monthly Income:
Monthly Credit Card(s) Payment :
Monthly Car(s) Payment Payment :
Monthly Alimony (if you pay) :
Monthly Child Support (if you pay) :
Student Loans 1% (of balance) :



Income calculated based on TOTAL HOUSEHOLD INCOME, not just the loan applicant. (including child support, disability and any income that you may receive and/or be reflected in your bank statements). Household consists of all the people who will be living in the same home.

Are you ready to get you dream home?

Apply Now

Programs Details

  • Coverage:
    City of Clearwater
    Tax Code CW
  • You Get (up to):
    $20,000
  • You Need Out Of Pocket:
    1% of purchase price
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $190,000
  • Repayment Terms:
    Monthly Payment Amortization 240 payments after the 5th year
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    Ok
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    45%
  • Median Family Income (MFI):
    80%
  • Does the program have funds available?:
    Yes
  • Income Limits Household of:
    1 Max. $37,450
    2 Max. $42,800
    3 Max. $48,150
    4 Max. $53,500
    5 Max. $57,800
    6 Max. $62,100
    7 Max. $66,350
    8 Max. $70,650
  • Coverage:
    City of Largo
    Tax Code LA
  • You Get (up to):
    $25,000
  • You Need Out Of Pocket:
    $1,500
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $190,000
  • Repayment Terms:
    The buyer will not be required to pay the Down Payment Assistance funds awarded as long as you own the home and occupy it as your primary residence for a full ten (10) years from the date of purchase.
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    No
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    45%
  • Median Family Income (MFI):
    80%
  • Does the program have funds available?:
    Yes
  • Income Limits Household of:
    1 Max. $37,450
    2 Max. $42,800
    3 Max. $48,150
    4 Max. $53,500
    5 Max. $57,800
    6 Max. $62,100
    7 Max. $66,350
    8 Max. $70,650
  • Coverage:
    City of Saint Petersburg
    Tax Code SP
  • You Get (up to):
    10% for down payment + $4,000 Closing Cost (up to $20,000)
  • You Need Out Of Pocket:
    1% of purchase price
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $253,000
  • Repayment Terms:
    Monthly Payment Amortization 120 payments and the additional 120 payment are forgiven
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    Ok
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    43%
  • Median Family Income (MFI):
    80%
  • Does the program have funds available?:
    Yes
  • Income Limits Household of:
    1 Max. $37,450
    2 Max. $42,800
    3 Max. $48,150
    4 Max. $53,500
    5 Max. $57,800
    6 Max. $62,100
    7 Max. $66,350
    8 Max. $70,650
  • Coverage:
    City of Saint Petersburg
    Tax Code SP
  • You Get (up to):
    $10,000
  • You Need Out Of Pocket:
    1% of purchase price
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $253,000
  • Repayment Terms:
    Monthly Payment Amortization 120 payments
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    Ok
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    43%
  • Median Family Income (MFI):
    120%
  • Does the program have funds available?:
    Yes
  • Income Limits Household of:
    1 Max. $56,280
    2 Max. $64,320
    3 Max. $72,360
    4 Max. $80,280
    5 Max. $86,760
    6 Max. $93,240
    7 Max. $99,600
    8 Max. $106,080
  • Coverage:
    Orange County (outside Orlando)
  • You Get (up to):
    $10,000
  • You Need Out Of Pocket:
    1.75% of purchase price
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $214,000
  • Repayment Terms:
    The buyer will not be required to pay the Down Payment Assistance funds awarded as long as you own the home and occupy it as your primary residence for a full ten (10) years from the date of purchase.
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    Ok
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    2 scores of 640+
  • Max Ratio DTI:
    45%
  • Median Family Income (MFI):
    120%
  • Does the program have funds available?:
    Yes
  • Income Limits Household of:
    1 Max. $49,080
    2 Max. $56,160
    3 Max. $63,120
    4 Max. $70,080
    5 Max. $75,720
    6 Max. $81,360
    7 Max. $87,000
    8 Max. $92,520
  • Coverage:
    Pasco County
  • You Get (up to):
    $10,000
  • You Need Out Of Pocket:
    $1,500
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $240,000
  • Repayment Terms:
    Monthly Payment Amortization 120 payments after the 5th year
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    No
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    43%
  • Median Family Income (MFI):
    80%
  • Does the program have funds available?:
    Out of funds
  • Income Limits Household of:
    1 Max. $37,450
    2 Max. $42,800
    3 Max. $48,150
    4 Max. $53,500
    5 Max. $57,800
    6 Max. $62,100
  • Coverage:
    Pasco County
  • You Get (up to):
    $10,000
  • You Need Out Of Pocket:
    $1,500
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $240,000
  • Repayment Terms:
    Monthly Payment Amortization 120 payments after the 5th year
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    No
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    43%
  • Median Family Income (MFI):
    50%
  • Does the program have funds available?:
    Out of funds
  • Income Limits Household of:
    1 Max. $23,450
    2 Max. $26,800
    3 Max. $30,150
    4 Max. $33,450
    5 Max. $36,150
    6 Max. $38,850
  • Coverage:
    Pasco County
  • You Get (up to):
    $5,000
  • You Need Out Of Pocket:
    $1,500
  • Property Type:
    Single Familiy Home, Townhomes
  • First time buyers:
    Cannot have owned a home in the past 3 years
  • Max Purchase Price:
    $240,000
  • Repayment Terms:
    Monthly Payment Amortization 120 payments after the 5th year
  • Home Education:
    8 hours in classroom, not online
  • Flood Zone:
    No
  • Sink Holes Areas:
    No
  • Mid Credit Score:
    620+
  • Max Ratio DTI:
    43%
  • Median Family Income (MFI):
    120%
  • Does the program have funds available?:
    Out of funds
  • Income Limits Household of:
    1 Max. $56,280
    2 Max. $64,320
    3 Max. $72,360
    4 Max. $80,280
    5 Max. $86,760
    6 Max. $93,240
    7 Max. $99,600
    8 Max. $106,080