See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Town 'n' Country, FL (2026)
Town 'n' Country is an unincorporated community in Hillsborough County, Florida, located just west of Tampa with easy access to Tampa International Airport and the Westshore business district. With a median home price around $410,000, buyers here benefit from strong Hillsborough County assistance programs. The Home Sweet Home Hillsborough Program offers up to $30,000 in down payment and closing cost assistance for buyers purchasing outside the City of Tampa, and the Hillsborough County SHIP Down Payment Assistance Program provides up to $40,000 as a 0% interest deferred loan. Solita's House, a local CDFI, adds up to $15,000 in additional down payment assistance. By combining county, state, and nonprofit programs, first-time buyers in Town 'n' Country can stack significant assistance toward their home purchase.
County Programs in Hillsborough County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HFA of Hillsborough County Mortgage Program | Deferred Loan | Down payment and closing cost assistance as a 0% second mortgage, combined with competitive first mortgage rates | Yes | View → |
| Hillsborough County Down Payment Assistance (SHIP) | Deferred Loan | Up to $40,000 | Yes | View → |
| Home Sweet Home Hillsborough Program | Deferred Loan | $5,000 within City of Tampa; $30,000 in Hillsborough County outside Tampa (as of December 5, 2025) | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Down payment and closing cost assistance as a 0% second mortgage, combined with competitive first mortgage rates
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $40,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- $5,000 within City of Tampa; $30,000 in Hillsborough County outside Tampa (as of December 5, 2025)
- First-time only:
- Yes
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 Hillsborough | Zero-Interest Loan | Affordable home purchase with 0% interest mortgage | No | View → |
| Solita's House Down Payment Assistance Loan | Deferred Loan | Up to $15,000 | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with 0% interest mortgage
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $15,000
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most Hillsborough County programs require household income at or below 80% AMI and that you have not owned a home in the past three years. The Home Sweet Home program requires a minimum FICO score of 660.
Step 2: Complete homebuyer education. All county programs require a HUD-approved homebuyer education course. Tampa Bay CDC and the Housing Finance Authority of Hillsborough County can direct you to approved providers. Contact the HFA at (813) 739-3529.
Step 3: Apply for the Home Sweet Home Hillsborough Program through a participating lender. Since Town 'n' Country is outside the City of Tampa, you qualify for up to $30,000 as a 0% interest deferred second mortgage. There are no monthly payments, and the loan is repaid only when you sell, refinance, or move.
Step 4: Apply for Hillsborough County SHIP Down Payment Assistance, which provides up to $40,000 as a 0% interest deferred loan. Contact Hillsborough County Housing and Human Services for application details.
Step 5: Contact Solita's House at (813) 344-3694 about their down payment assistance loan of up to $15,000. As a certified CDFI, they specialize in helping low-to-moderate income families achieve homeownership.
Step 6: Get pre-approved for a first mortgage. The Housing Finance Authority of Hillsborough County offers competitive 30-year fixed-rate first mortgages with built-in DPA through participating lenders.
Step 7: Find a home within Hillsborough County that meets program requirements. The Home Sweet Home program has a maximum purchase price of $283,348. Submit your applications and work with your lender to finalize all layers of assistance.
Frequently Asked Questions
How much down payment assistance can I get in Town 'n' Country?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase?+−
What homebuyer education is required?+−
Is Town 'n' Country eligible for Tampa city programs?+−
What is Solita's House and how can they help?+−
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