Pinellas County HFA Home Key Plus Second Mortgage
Deferred second loan · Income limits
Down payment assistance · Pinellas County
Buying a home in Gandy, FL
3 county programs and 26 statewide.Gandy has no program of its own, 3 across Pinellas County, and 26 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Gandy
No program of Gandy’s own yet
No program run for Gandy alone is listed. A home in Gandy can use Pinellas County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is St. Petersburg, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in PinellasAnywhere in Pinellas County
3 county programs3 county programs a Gandy homebuyer can use
3 more programs are for homes in Clearwater, Largo and St. Petersburg. See them 3 programs in neighboring cities — for homes inside those cities, not Gandy
- Clearwater — City of Clearwater Homebuyer Purchase Assistance
- Largo — City of Largo - Sold on Largo Program
- St. Petersburg — City of St. Petersburg Down Payment Assistance
Income limits in Pinellas County
How programs here set their income limits
$104,700
County area median income, 4 people (HUD)HUD area median income, Pinellas County, 4-person household (2026)
30 of the 91 programs here set their income limit as a share of Pinellas County’s area median income, adjusted for household size. See the published limits for Pinellas County
Free help nearbyFree help near Gandy
13 HUD-approved counseling agencies within 15 miles13 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
Gandy questions
Does Gandy have its own down payment program?
No program run for Gandy alone is listed. A home in Gandy can use the 3 programs that cover Pinellas County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gandy?
2 of Gandy’s 3 local and county programs accept condos. Habitat for Humanity of Pinellas and West Pasco Counties lists single family. 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 Pinellas County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Pinellas 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 Gandy?
HUD-approved housing counseling agencies teach homebuyer classes, and 13 agencies are within 15 miles of Gandy. Create a free account and take the 90-second match to see the ones near you.
Nearby in Pinellas
Sources
Sources: agency sites (June–July 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.