City of Tampa Down Payment Assistance Programs
1 local down payment assistance program for homebuyers in the City of Tampa, checked against the official page.
City of Tampa down payment assistance at a glance (2026)
| Program | Amount | Type | First-time buyer | Income limit | Price limit | Status |
|---|
| Dare to Own the Dream | Up to $50,000, based on income | Forgivable loan | Required | 50.01%-140% of AMI (below 50% is not eligible) | $450,000 | Offered |
|---|
Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.
Local programs
City of Tampa Housing and Community Development
- Amount
- Up to $50,000, based on income
- First-time buyer
- Required
- Status
- Offered
- Income limit
- 50.01%-140% of AMI (below 50% is not eligible)
- Purchase price limit
- $450,000
0% deferred loan: $50,000 at 50.01%-80% AMI, $40,000 at 80.01%-120% and $30,000 at 120.01%-140%. Buyer invests at least $2,000, with $1,000 from their own funds. Start with one of the City's approved agencies and use a lender on its approved list.
Last checked Nov 3, 2026 · Official source (opens in new tab) ↗
Other local programs in Florida
Statewide help in Florida
You may also qualify for 3 statewide Florida programs. Local and state assistance can sometimes be layered; confirm with each administrator.
Check eligibility for Florida How to apply
Compare these programs · AMI / income limits · All Florida programs
HUD-approved homebuyer counselors in Tampa, Florida (6)
Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.
Common questions
Does City of Tampa offer down payment assistance?
Yes. We list 1 local program checked against official pages: Dare to Own the Dream from City of Tampa Housing and Community Development (Up to $50,000, based on income).
Do I have to be a first-time homebuyer for City of Tampa assistance?
The official pages state: Dare to Own the Dream: Required.
What are the income limits for City of Tampa down payment assistance?
Published on the official pages: Dare to Own the Dream: 50.01%-140% of AMI (below 50% is not eligible). Confirm current limits with the administrator.
What are the purchase price limits for City of Tampa assistance?
Published on the official pages: Dare to Own the Dream: $450,000.
How does Dare to Own the Dream work?
0% deferred loan: $50,000 at 50.01%-80% AMI, $40,000 at 80.01%-120% and $30,000 at 120.01%-140%. Buyer invests at least $2,000, with $1,000 from their own funds. Start with one of the City's approved agencies and use a lender on its approved list.
Can I combine City of Tampa assistance with statewide Florida programs?
Sometimes. Florida also has 3 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.
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