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Pinellas County Down Payment Assistance Program

Quick answer

Pinellas County Down Payment Assistance Program is a Florida down payment assistance program from Pinellas County Housing and Community Development. It provides $75,000 as a forgivable loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

0% deferred, forgiven after 30 years. Unincorporated county and most municipalities; St. Petersburg, Clearwater and Largo run their own programs. Reopened 12/1/2025; terms updated 8/1/2026. Max price $394,000.

Where does Pinellas County Down Payment Assistance Program apply?

This county-level program is available to buyers in Pinellas County (parts of the county — see eligibility notes). Cities on our site where it applies:

DetailProgram terms
Assistance$75,000
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerSee official page
Income limitsLow income 51-80% AMI (page lists $58,450 individual / $83,450 family of four; intro lists $64,250 / $91,750)

How does Pinellas County 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://pinellas.gov/downpayment. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Florida down payment assistance programs

Frequently asked questions

$75,000, according to Pinellas County Housing and Community Development.

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

Low income 51-80% AMI (page lists $58,450 individual / $83,450 family of four; intro lists $64,250 / $91,750)

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.