Forgivable loan
City of Tampa - Dare to Own the Dream
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Hillsborough County
Buying a home in Tampa, FL
1 Tampa program, 3 county programs and 26 statewide.Tampa has 1 program of its own, 3 more across Hillsborough 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 Tampa addresses
Tampa’s own program
Anywhere in HillsboroughAnywhere in Hillsborough County
3 county programs3 county programs a Tampa homebuyer can also use
The Tampa marketThe Tampa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tampa
- 50.3% single-familysingle-family
- 6.7% townhousetownhouse
- 7.5% 2–4 units2–4 units
- 34.1% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. 3 of Tampa’s 4 local and county programs accept condos. Habitat for Humanity of Hillsborough County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tampa’s homes were built
pre-19401970s2020+
44.5%
of Tampa 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.
$104,700
County area median income, 4 people (HUD)HUD area median income, Hillsborough County, 4-person household (2026)
$75,475
Tampa median household incomeMedian household income in Tampa (Census, 2024)
31 of the 92 programs here set their income limit as a share of Hillsborough County’s area median income, adjusted for household size. See the published limits for Hillsborough County
Free help nearbyFree help near Tampa
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Tampa questions
Does Tampa have its own down payment program?
Yes, one: City of Tampa - Dare to Own the Dream, a forgivable loan for first-time homebuyers (forgiven over 20 yrs, income limits). It is for homes inside Tampa.
Can I use assistance on a condo in Tampa?
3 of Tampa’s 4 local and county programs accept condos. Habitat for Humanity of Hillsborough County 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 Hillsborough County?
Each program sets its own. 31 of the programs here set theirs as a share of HUD’s area median income for Hillsborough 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 Tampa?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Tampa. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33601 · 33602 · 33603 · 33604 · 33605 · 33606 · 33607 · 33608 · 33609 · 33610 · 33611 · 33612 · 33613 · 33614 · 33615 · 33616 · 33617 · 33618 · 33619 · 33620 · 33621 · 33622 · 33623 · 33624 · 33625 · 33626 · 33629 · 33630 · 33631 · 33633 · 33634 · 33635 · 33637 · 33647 · 33650 · 33651 · 33655 · 33660 · 33661 · 33662 · 33663 · 33664 · 33672 · 33673 · 33674 · 33675 · 33677 · 33679 · 33680 · 33681 · 33682 · 33684 · 33685 · 33686 · 33687 · 33688 · 33689 · 33690 · 33694 · 33697
Nearby in Hillsborough
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.