Pasco County Down Payment Assistance Program (DPA)
Pasco County gives low and very low income buyers who haven't owned a home in 3 years $50,000 or $65,000 as a 0%, 30-year deferred second mortgage that is forgiven at the end. The County says it is accepting applications.
Buyers below 80% AMI who have not owned a home in 3 years
Income cap
80% AMI: $64,250 (1), $91,750 (4)
Price cap
$330,000
First-timers only
Yes
Also note
County-sponsored homebuyer class via Suncoast Housing Connections; approved lender; min contribution $500 (VL) / $1,250 (L); no mobile homes, flood-hazard or sinkhole properties
Page says County is accepting applications for low/very low income households. 0% 30-year second mortgage, deferred then forgiven. Pasco has no large city with its own SHIP program.
The second mortgage carries no interest and no payment for 30 years, then is forgiven. Pasco has no large city running its own SHIP program, so this County program is the main local source of help across the county.
Who can apply?
Income below 80% AMI: up to $64,250 for one person or $91,750 for four.
No home ownership in the past 3 years.
Purchase price no higher than $330,000.
No mobile homes, and no homes in flood-hazard areas or on sinkhole properties.
An approved lender and the County-sponsored homebuyer class through Suncoast Housing Connections.
The $330,000 price cap is the tightest of the large Tampa Bay programs, and the flood-zone exclusion rules out some coastal neighborhoods, so check both before you fall for a house.
Using Pasco DPA with Hometown Heroes or Home Key Plus
Hometown Heroes allows other agencies' stand-alone DPA in third-lien position; a participating lender confirms whether Pasco County will accept that position behind a Hometown Heroes first and second. The Home Key Plus program adds $7,500 in Pasco with its own first mortgage; layering it with County DPA is also a lender question.
How to apply
Register for the County-sponsored class through Suncoast Housing Connections.
Get pre-approved with a County-approved lender.
Find a home under $330,000 that is not a mobile home, not in a flood-hazard area and not a sinkhole property.
Bring your $500 or $1,250 contribution to closing.
Who Pasco DPA fits best
Pasco's program is strongest for buyers looking at starter homes, townhomes or condos under $330,000 outside flood-hazard areas. Because the loan is forgiven at the end of 30 years, it suits households planning to stay; ask the County what happens if you sell or refinance earlier. Buyers at the top of the income range should compare the $50,000 award against Hometown Heroes if they hold an eligible job.
Pasco's minimum contributions are among the lowest in the region, which helps buyers who have little saved beyond closing costs.
Our summary of the official program page as of November 2026. Funding and terms change; get the current version from the program or a participating lender. Florida Down Payment Assistance has no tie to this program.
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