Florida program
Florida route through City of Tampa Housing and Community Development Division. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
Quick answer from published facts. Go to Florida program hub
Up to $50,000 through a second-position silent second with 0% interest and $0 monthly payment.
Forgivable second mortgage
The official City of Tampa page states the assistance is fully forgivable after 20 years if the home remains owner-occupied.
Unknown
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
Homebuyers at or below 140% of area median income
Up to $50,000 through a second-position silent second with 0% interest and $0 monthly payment.
The official City of Tampa page states the assistance is fully forgivable after 20 years if the home remains owner-occupied.
Start with one of the City's approved housing counseling agencies before entering a purchase contract, then work through an approved lender and approved realtor pathway listed by the City.
The official Tampa page states that Dare to Own the Dream provides up to $50,000 as a 0% silent second and that the assistance is fully forgivable after 20 years of owner occupancy.
2026-04-19
Effective date not captured.
Paid preview
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Comparison preview
Amount: Up to $50,000 through a second-position silent second with 0% interest and $0 monthly payment.
Repayment: The official City of Tampa page states the assistance is fully forgivable after 20 years if the home remains owner-occupied.
First-time buyer: Unknown
Risk checks preview
Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, specialty and conditional paths for Florida.
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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 down payment or closing-cost programs that never make it into the free statewide layer.
3 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
Private workspace
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Decision output
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