Housing Finance Authority of Manatee County Home Ownership Program
Deferred second loan · Income limits
Down payment assistance · Manatee County
Buying a home in Longboat Key, FL
2 county programs and 26 statewide.Longboat Key has no program of its own, 2 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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What’s local to Longboat Key
No program of Longboat Key’s own yet
No program run for Longboat Key alone is listed. A home in Longboat Key can use Manatee County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Bradenton, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ManateeAnywhere in Manatee County
2 county programs2 county programs a Longboat Key homebuyer can use
1 more program is for homes in Bradenton. See them 1 program in neighboring cities — for homes inside those cities, not Longboat Key
- Bradenton — City of Bradenton SHIP Purchase Assistance
The Longboat Key marketThe Longboat Key housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Longboat Key
- 19.3% single-familysingle-family
- 5.3% townhousetownhouse
- 3.8% 2–4 units2–4 units
- 67.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% mobile & othermobile home & other
Condos count. All 2 of Longboat Key’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Longboat Key’s homes were built
pre-19401970s2020+
50.7%
of Longboat Key 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)
$158,030
Longboat Key median household incomeMedian household income in Longboat Key (Census, 2024)
29 of the 90 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 Longboat Key
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Longboat Key questions
Does Longboat Key have its own down payment program?
No program run for Longboat Key alone is listed. A home in Longboat Key can use the 2 programs that cover Manatee County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Longboat Key?
All 2 of Longboat Key’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. 29 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 Longboat Key?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Longboat Key. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34228
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.