Pasco County SHIP Down Payment Assistance Program
Forgivable loan · Income limits
Down payment assistance · Pasco County
Buying a home in Zephyrhills, FL
1 county program and 26 statewide.Zephyrhills has no program of its own, 1 across Pasco 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Zephyrhills
No program of Zephyrhills’s own yet
No program run for Zephyrhills alone is listed. A home in Zephyrhills can use Pasco County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Lakeland, about 19 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in PascoAnywhere in Pasco County
1 county program1 county program a Zephyrhills homebuyer can use
The Zephyrhills marketThe Zephyrhills housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Zephyrhills
- 48.1% single-familysingle-family
- 6% townhousetownhouse
- 6.8% 2–4 units2–4 units
- 11% 5+ unitscondo & apartment buildings (5+ units)
- 28% mobile & othermobile home & other
Condos count. Zephyrhills’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Zephyrhills’s homes were built
pre-19401970s2020+
34%
of Zephyrhills 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, Pasco County, 4-person household (2026)
$52,108
Zephyrhills median household incomeMedian household income in Zephyrhills (Census, 2024)
28 of the 89 programs here set their income limit as a share of Pasco County’s area median income, adjusted for household size. See the published limits for Pasco County
Free help nearbyFree help near Zephyrhills
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Zephyrhills’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Pasco County SHIP Down Payment Assistance Program asks 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Zephyrhills questions
Does Zephyrhills have its own down payment program?
No program run for Zephyrhills alone is listed. A home in Zephyrhills can use the 1 program that cover Pasco County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Zephyrhills?
Zephyrhills’s one local program accepts 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 Pasco County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Pasco 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 Zephyrhills?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33539 · 33540 · 33541 · 33543 · 33544
Nearby in Pasco
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.