Are you wanting to purchase your dream home in the Pinellas - Hillsborough or Pasco county area, but you have limited funds for a down payment we can help you. The county and the city offers the down payment assistance program with a FHA government-insured loan, giving your family the opportunity to become homeowners.

If you exceed the income limits you the qualify for the 3.5% down payment! Many programs available.

If you currently owe a home you can still use the program in the Pinellas county (ask for details).

PRIDE OF HOMEOWNERSHIP

We can help you get your dream home! We help you get the following:

(1) Down Payment Assistance Program from your county or city that will help you purchase your home with very little down payment.

(2) We also provide you with the FHA or conventional financing for the home.

(3) We will recommend an experienced real estate agent in down payment assistance properties, to help you find your dream home.

In the event your credit scores are too low - we help you fix your credit - free of charge for our clients.

Latest Closings

852 52nd Ave S: $182,700 home the borrower paid $2,140
4260 57th Ave N: $70,000 home the borrower paid $1,023
3219 29TH ST N: $115,000 home the borrower paid $1,500
7529 36th Avenue N: $135,000 home the borrower paid $1,925
5931 41st Ave N: $150,000 home the borrower paid $3,000
4101 14 Ave S: $82,000 home the borrower paid $1,449

Testimonials!

Online Pre-Qualification for Down Payment Assistance & FHA/Conventional Mortgage Loan

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.

To be pre-approve submit application (step 3), send proof of income (step 4) and pull your credit report (step 5).

Is required you attend a HOMEOWNERSHIP WORKSHOPS

The following homes MAY qualify for the down payment assistance. The property MUST be in a very good condition.

Down Payment Assistance Programs

  Win Program
HOME
Win Program
SHIP
Pinellas County
SHIP
Pinellas County
SHIP
Clearwater DPA Largo DPA Pasco HAP Tampa MAP
Coverage City of St Petersburg
Tax Code SP
City of St Petersburg
Tax Code SP
Pinellas County Pinellas County Clearwater
Tax Code CW
Largo
Tax Code LA
Pasco County City of Tampa
Tax Code TA
You Get (up to) $20,000 $10,000 $20,000 $10,000 $20,000 $25,000 $5,000 $14,999
You Need
Out Of Pocket
1% 1% 2% 2% $1,500 $1,500 $1,500 $2,000
First time buyers Yes Yes Yes Yes Yes Yes Yes Yes
Can Own A Property No No Yes Yes No No No No
Max Purchase Price $253,000 $253,000 $255,000 $255,000 $177,000 Existing
$224,000 New Construction
$168,000 Existing
$190,000 New Construction
$240,000 $226,926
Number of Payments 240 120 240 120 240 # 120 *
Payment Starts 1st month 1st month 5th year 5th year 5th year # 5th year Not required
Home Education 8 Hours Classroom 8 Hours Classroom Online or Classroom Online or Classroom 8 Hours Classroom 8 Hours Classroom 8 Hours Classroom 8 Hours Classroom
Flood Zone Ok Ok No No Ok No No No
Sink Holes Areas No No No No No No No No
Mid Credit Score 580 580 580 580 580 580 600 600
Max Ratio DTI 43% 43% 28%/39%
35%/45%
28%/39%
35%/45%
43% 43% 43% 31/45%
Property Condition Good Condition Good Condition Good Condition Good Condition Good Condition Good Condition Good Condition Good Condition
Median Family Income (MFI) 80% 120% 80% 120% 80% 80% 120% 120%
Max Income Limits Household of:
1 Max. $33,500
2 Max. $38,300
3 Max. $43,100
4 Max. $47,850
5 Max. $51,700
6 Max. $55,550
7 Max. $59,350
8 Max. $63,200
Household of:
1 Max. $49,800
2 Max. $56,880
3 Max. $63,960
4 Max. $71,040
5 Max. $76,800
6 Max. $82,440
7 Max. $88,200
8 Max. $93,840
Household of:
1 Max. $33,500
2 Max. $38,300
3 Max. $43,100
4 Max. $47,850
5 Max. $51,700
6 Max. $55,550
7 Max. $59,350
8 Max. $63,200
Household of:
1 Max. $49,800
2 Max. $56,880
3 Max. $63,960
4 Max. $71,040
5 Max. $76,800
6 Max. $82,440
7 Max. $88,200
8 Max. $93,840
Household of:
1 Max. $33,500
2 Max. $38,300
3 Max. $43,100
4 Max. $47,850
5 Max. $51,700
6 Max. $55,550
7 Max. $59,350
8 Max. $63,200
Household of:
1 Max. $33,500
2 Max. $38,300
3 Max. $43,100
4 Max. $47,850
5 Max. $51,700
6 Max. $55,550
7 Max. $59,350
8 Max. $63,200
Household of:
1 Max. $49,800
2 Max. $56,880
3 Max. $63,960
4 Max. $71,040
5 Max. $76,800
6 Max. $82,440
7 Max. $88,200
8 Max. $93,840
Household of:
1 Max. $49,800
2 Max. $56,880
3 Max. $63,960
4 Max. $71,040
5 Max. $76,800
6 Max. $82,440
7 Max. $88,200
8 Max. $93,840
Does the program have funds availble? Yes Yes Yes Yes Yes Yes March 1, 2018 Yes
Eligible Property Types: Single family residences, or townhouses (must not include the word CONDO under legal subdivision).
Bank Owned, REO, Short Sales properties are Allowed.
# due when the property is sold or rented, or when the mortgage is paid, refinanced, or assumed.
* Fully Forgivable after 5 yrs., assuming still owner occupied.