First-Time Home Buyer Assistance

First-Time Buyer Programs in Tampa

Buying a home—especially if you're a first-timer—can seem like a pretty daunting process. Many would-be buyers believe they can't afford a down payment, but there are actually quite a few programs in the Tampa area that can help! If you're eager to learn more about down payment assistance programs, special financing, or other perks for first-time buyers, you've come to the right place.

Have questions about affording your first home? Drop us a line for the answers you need!  

Hillsborough County Resources


Hillsborough County offers three first-mortgage options through the Housing Finance Authority. They can also recommend lenders who specialize in helping first-time buyers.

Down Payment Assistance

The Hillsborough County Housing Finance Authority has a variety of down payment assistance programs. Buyers can also take advantage of the Home Sweet Home Hillsborough Program, which offers a 30-year deferred, 0% second mortgage.

City of Tampa Resources

Down Payment Assistance

Tampa offers down payment assistance loans to buyers within city limits through their Dare to Own the Dream Program. This second loan has a 0% rate and $0 monthly payment, and the loan isn't due until the homeowner sells or pays off their first mortgage.

Don't Forget About State & Federal Programs!

Many federal and state programs can be combined with local incentives to create a financing plan that's tailored to your needs. Here are a few to consider:  

Find Your Florida Dream Home

Ready to buy your first home in the Tampa area? We're here to help! Give us a call for even more first-time buyer advice, or check out our resources below to get started. We look forward to helping you achieve your real estate goals!


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