See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Pinellas Park, FL (2026)
Pinellas Park is a centrally located city in Pinellas County, Florida, situated in the Tampa Bay metropolitan area with a population of approximately 54,000 residents. With a median home price around $330,000, the city offers a relatively affordable option within the Pinellas County market. Homebuyers in Pinellas Park can access generous county-level assistance including the Pinellas County Down Payment Assistance Program offering up to $75,000 in deferred loans and the Pinellas County HFA Home Key Plus Program providing $10,000 in deferred assistance. The Pinellas Recovers Homebuyer Assistance Program offers additional forgivable loan support for down payment and closing costs. Combined with state programs like the Florida Hometown Heroes Program and nonprofit options through Habitat for Humanity Tampa Bay Gulfside, eligible buyers could stack significant homebuyer assistance.
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 → |
- Type:
- Deferred Loan
- Amount:
- Up to $75,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- $10,000
- First-time only:
- Yes
- 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 → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- 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
- 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 → |
- 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
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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 → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with 0% interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most Pinellas County programs require first-time homebuyer status and household income within moderate-income limits. Contact Pinellas County Community Development at (727) 464-8210 to confirm current income limits and program availability.
Step 2: Complete homebuyer education. All programs require an 8-hour HUD-approved homebuyer education course prior to closing. Suncoast Housing Connections can help connect you with approved courses in the Pinellas County area.
Step 3: Get pre-approved for a mortgage. Work with a participating lender to get pre-approved. If using the Pinellas County HFA Home Key Plus Program, select a lender from the Housing Finance Authority of Pinellas County's approved lender list.
Step 4: Apply for down payment assistance. Apply for the Pinellas County Down Payment Assistance Program (up to $75,000) through Pinellas County Community Development. You can also apply for the HFA Home Key Plus Program ($10,000) through a participating lender. The Pinellas Recovers program provides additional forgivable loan assistance.
Step 5: Find a home within program limits. Search for a home within Pinellas County that meets program purchase price requirements. The property must serve as your primary residence.
Step 6: Submit your full application and close. Your lender and housing counselor will coordinate the closing process. Contact Lindsey Latorre at Pinellas County Community Development at (727) 464-8237 for program-specific questions.
Frequently Asked Questions
How much down payment assistance can I get in Pinellas Park?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay?+−
What homebuyer education is required?+−
Does Pinellas Park have its own city DPA program?+−
Free eligibility check
Buying a home in Pinellas Park? 17 programs could help.
How soon are you looking to buy?