City of Lakeland First-Time Homebuyers Program

Administered by: City of Lakeland Community and Economic Development Department · City · Forgivable Loan

Funding status: Active

How much assistance

Up to $30,000 (Forgivable Loan)

Zero-interest deferred forgivable loan. Terms and forgiveness schedule determined at closing based on income level and program guidelines.

Eligibility

  • Income limits: Income eligible based on household size and HUD income limits
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Property must be located within Lakeland city limits.
  • Homebuyer education required: Yes

How to Apply for City of Lakeland First-Time Homebuyers Program

Step 1: Contact the City of Lakeland Community and Economic Development Department Housing Division. Complete a HUD-approved homebuyer education course. Obtain mortgage pre-approval from a lender and submit your application with required income documentation.

Visit program website

Notes

Funded through SHIP and HOME funds. Previously administered by HANDS of Central Florida; now managed directly through the City of Lakeland. Application availability depends on funding cycles.

Cities Where This Program Is Available