See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Wesley Chapel, FL (2026)
Wesley Chapel is one of Florida's fastest-growing communities, located in Pasco County just north of Tampa along the I-75 corridor. With a median home price around $420,000, buyers should be aware that the Pasco County Down Payment Assistance Program offers up to $65,000 in zero-interest assistance for income-eligible first-time buyers, though homes must be priced at $330,000 or less to qualify. The Pasco Opportunity Program also provides deeply subsidized homes through partner nonprofits for buyers earning below 120% of Area Median Income. State programs like the Florida Hometown Heroes Housing Program can provide up to 5% of the loan amount for community workers, and the Florida Assist program offers up to $10,000 as a deferred second mortgage. By combining county and state assistance, eligible buyers in Wesley Chapel can significantly reduce their upfront costs.
County Programs in Pasco County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Pasco County Down Payment Assistance Program | Forgivable Loan | Up to $65,000 for Very Low Income (50% AMI); up to $50,000 for Low Income (80% AMI) | Yes | View → |
| Pasco Opportunity Program (POP) | Deferred Loan | Deep subsidy for homes purchased through partner nonprofit agencies; buyer contribution as low as $500 for Very Low Income or $1,250 for Low and Moderate Income households | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $65,000 for Very Low Income (50% AMI); up to $50,000 for Low Income (80% AMI)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Deep subsidy for homes purchased through partner nonprofit agencies; buyer contribution as low as $500 for Very Low Income or $1,250 for Low and Moderate Income households
- 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 of East and Central Pasco County Homeownership Program | Zero-Interest Loan | Affordable mortgage with zero-interest financing and no down payment required | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with zero-interest financing and no down payment required
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. For the Pasco County DPA Program, household income must be at or below 120% of Area Median Income for the Tampa Bay area, and you must not have owned a home in the past three years. The home must be priced at $330,000 or less.
Step 2: Complete homebuyer education. Enroll in the 8-hour First Time Homebuyer workshop offered by Suncoast Housing Connections at (727) 442-7075. This is required for all Pasco County assistance programs.
Step 3: Contact Pasco County Community Development. Reach out at (727) 834-3447 or pcd@pascocountyfl.net to discuss your eligibility and begin the application process.
Step 4: Get pre-approved for a first mortgage. Work with a Pasco County-approved participating lender. If applying for the Florida Hometown Heroes program, use a participating Florida Housing Finance Corporation lender.
Step 5: Find an eligible home. For the Pasco County DPA, the home must be in Pasco County with a purchase price of $330,000 or less. For the Pasco Opportunity Program, the maximum is $240,000 through partner nonprofits.
Step 6: Submit your application. Work with Pasco County Community Development to complete and submit your down payment assistance application. Processing times vary based on funding availability.
Frequently Asked Questions
How much down payment assistance can I get in Wesley Chapel?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can buy with assistance?+−
What homebuyer education is required?+−
Can I use assistance if the home I want costs more than $330,000?+−
What is the Pasco Opportunity Program?+−
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