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Florida program

Pinellas County Down Payment Assistance Program

Florida route through Pinellas County Community Development. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Forgivable second mortgage Forgivable if occupancy holds 2026-04-20
Agency Pinellas County Community Development
Support type Forgivable second mortgage
Amount highlight Current Pinellas County materials say eligible low-income households can receive an interest-free deferred loan up to $75,000 for down payment and closing costs.
Last verified 2026-04-20

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Service-area geography still requires address lookup

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

Pinellas County publishes the core rules, but buyers still need to confirm that the property address falls inside unincorporated Pinellas or another eligible service-area municipality because several large cities run their own separate programs.

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What stays free on this program page

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Amount

Current Pinellas County materials say eligible low-income households can receive an interest-free deferred loan up to $75,000 for down payment and closing costs.

Type

Forgivable second mortgage

Repayment

The official Pinellas County page says the assistance is an interest-free deferred loan with full forgiveness after 15 years. If the home is sold before the end of the 15-year term, full repayment is required.

First-time buyer

Unknown

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Income-qualified homebuyers at 51% to 80% of AMI

What support do you get?

Current Pinellas County materials say eligible low-income households can receive an interest-free deferred loan up to $75,000 for down payment and closing costs.

Do you repay it?

The official Pinellas County page says the assistance is an interest-free deferred loan with full forgiveness after 15 years. If the home is sold before the end of the 15-year term, full repayment is required.

How do you apply?

Complete the required 8-hour homeownership class and 1-hour one-on-one HUD-approved counseling, then have the homebuyer's first-mortgage lender submit the application through the County portal using the current underwriting guidelines and lender guide.

Application timing

Applications are reviewed first-come and processed first-qualified; the homebuyer's first mortgage lender must submit the application, and required homebuyer education plus one-on-one counseling must be completed before closing.

Official source evidence

The current Pinellas County page says the program reopened as of 12/1/25, terms were updated on 3/13/26, eligible buyers can receive up to $75,000 as an interest-free deferred loan, and applications must be submitted by the buyer's first-mortgage lender.

View official source

Last verified

2026-04-20

Reopened 2025-12-01; terms updated 2026-03-13

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What paid access adds for Pinellas County Down Payment Assistance Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

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Comparison preview

Pinellas County Down Payment Assistance Program

Amount: Current Pinellas County materials say eligible low-income households can receive an interest-free deferred loan up to $75,000 for down payment and closing costs.

Repayment: The official Pinellas County page says the assistance is an interest-free deferred loan with full forgiveness after 15 years. If the home is sold before the end of the 15-year term, full repayment is required.

First-time buyer: Unknown

Timing: Applications are reviewed first-come and processed first-qualified; the homebuyer's first mortgage lender must submit the application, and required homebuyer education plus one-on-one counseling must be completed before closing.

Risk checks preview

What gets flagged before you call a lender

  • Pinellas County Down Payment Assistance Program requires a participating lender.
  • Pinellas County Down Payment Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Pinellas County Down Payment Assistance Program for this household and loan setup?
  • Which first-mortgage product must be paired with Pinellas County Down Payment Assistance Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Program page for Pinellas County Down Payment Assistance Program
  • Ask whether your lender is approved for this exact program and loan structure.
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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

3 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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