CRA Down Payment Assistance Program (FL): Amount, Requirements & How to Apply

CRA Down Payment Assistance Program

Quick answer

CRA Down Payment Assistance Program is a Florida down payment assistance program from City of Tampa Community Redevelopment Agency. It provides Up to $50,000 (tiered by AMI: $50,000 / $40,000 / $30,000) as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

Property must be inside a Tampa CRA boundary (East Tampa, Ybor, West Tampa, Drew Park, Channel District, Central Park, Tampa Heights, Riverfront). 0% deferred, forgiven after 20 years. Flyer dated 07/23/26.

Where does CRA Down Payment Assistance Program apply?

This city-level program is available to buyers in Tampa. Cities on our site where it applies:

Down payment assistance in Tampa

Detail	Program terms
Assistance	Up to $50,000 (tiered by AMI: $50,000 / $40,000 / $30,000)
Type	Forgivable loan
Minimum credit	Not published on the program page
First-time buyer	Required
Income limits	At or below 140% AMI (0-50% AMI not eligible effective 5/1/2026)

How does CRA Down Payment Assistance Program work with an FHA loan?

Florida's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.tampa.gov/sites/default/files/document/2026/cra-down-payment-assistance-program-flyer_07.23.26.pdf. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Florida down payment assistance programs

Frequently asked questions

Up to $50,000 (tiered by AMI: $50,000 / $40,000 / $30,000), according to City of Tampa Community Redevelopment Agency.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

At or below 140% AMI (0-50% AMI not eligible effective 5/1/2026)

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.