Deferred second loan
City of Bradenton SHIP Purchase Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Manatee County
Buying a home in Bradenton, FL
1 Bradenton program, 2 county programs and 26 statewide.Bradenton has 1 program of its own, 2 more across Manatee County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Bradenton addresses
Bradenton’s own program
Anywhere in ManateeAnywhere in Manatee County
2 county programs2 county programs a Bradenton homebuyer can also use
The Bradenton marketThe Bradenton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Bradenton
- 42.4% single-familysingle-family
- 8% townhousetownhouse
- 9.1% 2–4 units2–4 units
- 36.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.8% mobile & othermobile home & other
Condos count. All 3 of Bradenton’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bradenton’s homes were built
pre-19401970s2020+
42.6%
of Bradenton homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$109,700
County area median income, 4 people (HUD)HUD area median income, Manatee County, 4-person household (2026)
$60,822
Bradenton median household incomeMedian household income in Bradenton (Census, 2024)
30 of the 91 programs here set their income limit as a share of Manatee County’s area median income, adjusted for household size. See the published limits for Manatee County
Free help nearbyFree help near Bradenton
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Bradenton questions
Does Bradenton have its own down payment program?
Yes, one: City of Bradenton SHIP Purchase Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Bradenton.
Can I use assistance on a condo in Bradenton?
All 3 of Bradenton’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Manatee County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Manatee County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Bradenton?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Bradenton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34201 · 34202 · 34203 · 34204 · 34205 · 34206 · 34207 · 34208 · 34209 · 34210 · 34211 · 34212 · 34280 · 34281 · 34282
Nearby in Manatee
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.