See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026

Homebuyer Programs in Largo, FL (2026)

Population: 82,500 | Median home price: $340,000 | Est. closing costs: $7,000 - $10,000

Largo is a vibrant city in Pinellas County on Florida's Gulf Coast, with a population of approximately 82,500 and a median home price around $340,000. The city offers one of the most generous local down payment assistance programs in the Tampa Bay area through the Sold on Largo Down Payment Assistance Program, providing up to $75,000 in 0% interest forgivable loans for households at or below 80% of the area median income. Buyers can also layer on the Pinellas County Down Payment Assistance Program (up to $75,000), the Pinellas County HFA Home Key Plus Program ($10,000), and state programs like the Florida Hometown Heroes Program (up to $35,000) and the Florida Assist Second Mortgage ($10,000). By combining city, county, and state programs, eligible Largo homebuyers can potentially access over $100,000 in down payment and closing cost assistance.

City Programs in Largo

Program Name	Type	Amount	First-Time Only	Details
Sold on Largo Down Payment Assistance Program	Forgivable Loan	Up to $75,000 (households at or below 80% AMI); up to $40,000 (81-120% AMI); up to $15,000 (121-140% AMI)	No	View →

Sold on Largo Down Payment Assistance Program

Type:: Forgivable Loan
Amount:: Up to $75,000 (households at or below 80% AMI); up to $40,000 (81-120% AMI); up to $15,000 (121-140% AMI)
First-time only:: No

County Programs in Pinellas County

Program Name	Type	Amount	First-Time Only	Details
Pinellas County Down Payment Assistance Program	Deferred Loan	Up to $75,000	Yes	View →
Pinellas County HFA Home Key Plus Program	Deferred Loan	$10,000	Yes	View →
Pinellas Recovers Homebuyer Assistance Program	Forgivable Loan	Up to 100% of lender-required down payment and reasonable closing costs	No	View →

Pinellas County Down Payment Assistance Program

Type:: Deferred Loan
Amount:: Up to $75,000
First-time only:: Yes

Pinellas County HFA Home Key Plus Program

Type:: Deferred Loan
Amount:: $10,000
First-time only:: Yes

Pinellas Recovers Homebuyer Assistance Program

Type:: Forgivable Loan
Amount:: Up to 100% of lender-required down payment and reasonable closing costs
First-time only:: No

State Programs in Florida

Program Name	Type	Amount	First-Time Only	Details
FHLBA Community Partners Product	Forgivable Loan	Up to $20,000 in home purchase assistance for down payment and closing costs	No	View →
FHLBA First Time Homebuyer Product	Forgivable Loan	Up to $17,500 in home purchase assistance for down payment and closing costs	Yes	View →
FHLBA Workforce Housing Plus+	Grant	Up to $15,000 in home purchase assistance for down payment and closing costs	No	View →
Florida Assist (FL Assist) Second Mortgage Program	Deferred Loan	Up to $10,000	Yes	View →
Florida HFA Preferred and Advantage PLUS Program	Forgivable Loan	3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only)	Yes	View →
Florida Hometown Heroes Housing Program	Deferred Loan	Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000	Yes	View →

FHLBA Community Partners Product

Type:: Forgivable Loan
Amount:: Up to $20,000 in home purchase assistance for down payment and closing costs
First-time only:: No

FHLBA First Time Homebuyer Product

Type:: Forgivable Loan
Amount:: Up to $17,500 in home purchase assistance for down payment and closing costs
First-time only:: Yes

FHLBA Workforce Housing Plus+

Type:: Grant
Amount:: Up to $15,000 in home purchase assistance for down payment and closing costs
First-time only:: No

Florida Assist (FL Assist) Second Mortgage Program

Type:: Deferred Loan
Amount:: Up to $10,000
First-time only:: Yes

Florida HFA Preferred and Advantage PLUS Program

Type:: Forgivable Loan
Amount:: 3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only)
First-time only:: Yes

Florida Hometown Heroes Housing Program

Type:: Deferred Loan
Amount:: Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000
First-time only:: Yes

Federal Programs

Program Name	Type	Amount	First-Time Only	Details
FHA Loans	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)	No	View →
Good Neighbor Next Door (HUD)	Government Property Sale Program	50% discount off the list price of HUD-owned homes	Yes	View →
Home Possible Mortgage (Freddie Mac)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HomeReady Mortgage (Fannie Mae)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HUD $100 Down Program	FHA-Financed HUD REO Purchase	Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.	No	View →
USDA Rural Development Loans	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value	No	View →
VA Loans	Government-Guaranteed Mortgage	No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)	No	View →

FHA Loans

Type:: Government-Insured Mortgage
Amount:: Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:: No

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HomeReady Mortgage (Fannie Mae)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HUD $100 Down Program

Type:: FHA-Financed HUD REO Purchase
Amount:: Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:: No

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

Type:: Government-Guaranteed Mortgage
Amount:: No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:: No

Nonprofit Programs

Program Name	Type	Amount	First-Time Only	Details
Habitat for Humanity Tampa Bay Gulfside	Zero-Interest Loan	Affordable home purchase with 0% interest mortgage	No	View →

Habitat for Humanity Tampa Bay Gulfside

Type:: Zero-Interest Loan
Amount:: Affordable home purchase with 0% interest mortgage
First-time only:: No

Free eligibility check

18 programs available in Largo. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. The Sold on Largo program serves households earning up to 140% of the area median income, with tiered assistance levels. The Pinellas County program serves individuals earning less than $58,450 per year ($83,450 for a family of four).

Step 2: Complete homebuyer education. All programs require an 8-hour HUD-approved homebuyer education course. Contact Suncoast Housing Connections at (727) 442-7075 or Tampa Bay Neighborhood Housing Services at (727) 442-4155 to enroll in a free class.

Step 3: Meet with a housing counselor. Schedule a free one-on-one appointment with Suncoast Housing Connections to review which programs you qualify for and develop a plan.

Step 4: Get pre-approved for a first mortgage. Work with a lender approved by the programs you're applying to. For the Pinellas County HFA Home Key Plus Program, you must use an approved participating lender.

Step 5: Find a home within Largo city limits. For the Sold on Largo program, the property must be within Largo city limits and pass a Uniform Physical Condition Standard (UPCS) inspection. For the Pinellas County program, the purchase price must be $544,233 or less.

Step 6: Submit your application through your lender. Your first mortgage lender will submit the down payment assistance application on your behalf. Pinellas County Community Development processes applications on a first-come, first-served basis.

Step 7: Close on your new home. After approval, coordinate your closing date. The home must pass all required inspections before closing.

Frequently Asked Questions

How much down payment assistance can I get in Largo?+

Largo homebuyers can access substantial assistance by combining multiple programs. The Sold on Largo program offers up to $75,000 for households at or below 80% AMI. The Pinellas County Down Payment Assistance Program provides an additional interest-free deferred loan of up to $75,000. The Pinellas County HFA Home Key Plus Program adds $10,000. At the state level, the Florida Hometown Heroes Program offers up to $35,000 and the Florida Assist Second Mortgage provides $10,000. By stacking eligible programs, buyers could potentially access over $100,000 in total assistance.

Do I have to be a first-time homebuyer to qualify?+

Not for all programs. The Sold on Largo program does not require you to be a first-time homebuyer. However, the Pinellas County HFA Home Key Plus Program requires that you have not owned a home in the past three years (or are a veteran). The Florida Hometown Heroes Program requires first-time buyer status. Each program has its own eligibility criteria, so meeting with a housing counselor at Suncoast Housing Connections can help you determine which programs you qualify for.

What is the maximum home price I can purchase?+

For the Pinellas County Down Payment Assistance Program, the purchase price limit is $544,233. The Sold on Largo program does not list a specific purchase price cap, but your lender must qualify you based on affordability. For state-level programs like the Florida Hometown Heroes Program, purchase price limits are set by Florida Housing Finance Corporation and vary by county.

What homebuyer education is required?+

All down payment assistance programs in Largo require completion of an 8-hour HUD-approved homebuyer education course prior to closing. Suncoast Housing Connections at (727) 442-7075 offers free classes both online and in person. Tampa Bay Neighborhood Housing Services at (727) 442-4155 is also an approved provider. Certificates from other HUD-approved counseling agencies are accepted as well.

Can I buy a condo or townhome with these programs?+

Yes. The Sold on Largo program covers the purchase of a house, townhome, or condo within Largo city limits. The Pinellas County program also allows various property types as long as the home will be your primary residence. The property must pass required inspections, including a UPCS inspection for the city program.

What happens if I sell my home before the forgiveness period ends?+

For the Sold on Largo program, if you are at or below 50% AMI, the loan is deferred for 25 years and forgiven after 25 years of compliance. If you sell before that, you must repay the remaining balance. For households at 51-80% AMI, the loan is deferred for 5 years, then half is repaid in monthly installments over 20 years while the other half is forgiven at the end. The Pinellas County program is also a deferred loan that must be repaid if you sell, refinance, or transfer ownership before the compliance period ends.