Florida Down Payment Assistance First Time Home Buyer Grant and Loan Programs 2020

Make Your Dream Come True!!!

Florida Down Payment Assistance First Time Home Buyer Grant and Loan Programs

Lakeside fl

Welcome to the Florida Down Payment Assistance information site!!! Congratulations on taking the first step towards home ownership. We are here to provide you with the down payment assistance information you need to help assist in your home buying experience

Sometimes it is hard to know where to start. We do all the work for you!! Let our qualified agents compile and compare Florida Down Payment assistance Programs for YOU!!

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We enjoy finding FREE money for you! There is no charge for our service!!

The great news is that there is FREE money out there for you!! Florida leads the nation in offering down payment assistance funds for First Time Home buyers! If you are not a first-time home buyer, no worries because there’s FREE money for you as well!! Our agents are trained to match the Florida Down Payment programs and Grants that best suits your specific situation and needs

FREE telephone support for ALL Hillsborough, Pasco and Hernando counties, please call 813-579-1730

Down payment assistance programs are available throughout the entire State of Florida. This website is sponsored by Pickett Fences Realty, Inc., your down payment assistance experts for Hillsborough, Pasco and Hernando counties


Apply online within minutes.


Application reviewed within 24hrs


Get help getting in your new home.

Pickett Fences Realty is committed to giving back to the community we serve. One of the ways we serve our community is by matching prospective homeowners with FREE money for down payment assistance!! These Down Payment and closing cost assistance programs can only be provided by approved lenders.

— Booker P.

Pickett Fences Realty

Own a Home Opportunity  Grant Program

Learn more about our grant programs!


Buyers are NOT required to be first time buyers.
Buyers and their spouses must be able to permanently reside in the US.
Buyers must live in the property they purchase as their principal residence.
All applicants must be considered irrespective of age, race, color, religion, national origin, sex, marital status, military status or
physical handicap.
Buyers must occupy the property purchased within 60 days of closing.
Buyers must qualify using the Own a Home Opportunity Grant first mortgage.
* See loan officer for more information

Qualified buyers will receive a 30-year fixed rate first mortgage from a participating lender. Eligible loan products include FHA, VA, RD and Freddie MAC HFA Advantage Conventional.
There is an additional grant program from the state for conventional loans it is called. “State Grant FL preferred plus 3% conventional”.  Ask us for more information!

4% or 5% grant of the Note amount. Must be used for down payment and closing cost assistance. This grant is never repaid.

Required for all borrowers and anyone listed on the deed. Home buyer Education Certification is acceptable for a period of one year from issuance.
Approved education courses include:
– Online education ONLY from: https://www.eHomeAmerica.org (cost $99.00)
– Online education ONLY from (MGIC Homebuyer Education for Freddie Mac’s Home Possible Program and certain HFA’s):
English:  https://homebuyers.mgic.com
Spanish: https://compradoresdecasa.mgic.com
Lender provided home-buyer education is unacceptable as is over the phone education. If an education course is not listed on the HUD face-to- face web site, it is not acceptable.

Primary residence’s only, new or existing, one to four units, detached or attached, condos, townhouses.

FICO middle score must be 640 or better

The maximum debt-to- income (DTI) ratio is 45%

$98,250 – Must include the income of the borrower only

$264,706 – Must include everything paid by the borrower or on the borrower’s behalf.

2020 - 100% Buyers Advantage Conventional Financing with $0 Mortgage Insurance available for entire State of Florida.

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