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Down Payment Assistance in Keystone, FL (2026): Local Programs — $604,800 Median

Quick answer

We've verified 1 city or county down payment assistance program for Keystone, FL, plus 1 statewide programs. At the $604,800 median home value, 3% conventional down is $18,144 and 3.5% FHA down is $21,168; Home Sweet Home Hillsborough Down Payment Assistance offers $15,000 (outside City of Tampa); $5,000 (inside City of Tampa). Income, first-time buyer and property rules must be checked with the official administrator.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

How does Keystone compare with Florida?

The city's median is above the statewide median by $279,800. Prices sit in the middle price-to-income band; compare the payment with your own income rather than treating the median as a budget. The median is 72.6% of the conforming limit. A median-valued purchase exceeds the FHA base-loan limit at 3.5% down.

How much down payment and PMI would a typical Keystone home need?

Down paymentCash downEstimated PMI / monthEstimated PITI + PMIIncome at 28% / 36%
3%$18,144$244$4,846$208,000 / $162,000
5%$30,240$239$4,759$204,000 / $159,000
10%$60,480$227$4,542$195,000 / $152,000
20%$120,960$0$3,905$168,000 / $131,000

3%-down conventional products have borrower/program restrictions. PMI uses a fixed 0.5% annual loan-balance estimate at less than 20% down; it is not a credit-specific quote or an assumed discount by down payment. Payments include state-average tax and insurance and assume zero other debts.

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Is there down payment assistance in Keystone?

Home buying in Keystone · The Florida version

Down payment assistance in the nearest eligible cities

Citrus ParkWestchaseEast LakeNorthdaleChevalOldsmar

Home loan options in Keystone

FHA loansFirst-time home buyer programsVA loansConventional loansHome affordabilityNew construction home loansJumbo loans

Frequently asked questions

We've verified 1 city or county down payment assistance program for Keystone, FL, plus 1 statewide programs. At the $604,800 median home value, 3% conventional down is $18,144 and 3.5% FHA down is $21,168; Home Sweet Home Hillsborough Down Payment Assistance offers $15,000 (outside City of Tampa); $5,000 (inside City of Tampa). Income, first-time buyer and property rules must be checked with the official administrator.

0 city-level, 1 county-level and 1 statewide programs are verified for this city (2 total). Eligibility and available funds depend on each official program's terms.

Median household income is $155,365, while median home value is $604,800, a 3.89 price-to-income ratio. At 5% down, 7.18% and state-average taxes and insurance, about $204,000 income is needed under the 28% housing guideline; debts also count toward the 36% total-debt guideline.

Sources

Data last updated November 5, 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.