Manatee County
Manatee County's SHIP plan allows up to $70,000 for buyers from very low income up to 140% of area median income, fully forgiven after 20 years. Status: funding-dependent and not verified. Confirm with Manatee County Community & Veterans Services that money is available before you sign.
Manatee County
0% deferred, 20-year term, fully forgiven at end. Manatee program web page not located; current status not verified.
Checked against the official page, November 2026. How we fact-check
Check whether I fitA current Manatee program page could not be located. The terms come from the County's 2024-27 Local Housing Assistance Plan on file with Florida Housing. Plans run three years and funding arrives annually, so the plan tells you the rules, not whether the money is in hand today.
Up to $70,000 as a 0% deferred loan with a 20-year term. Unlike plans that forgive a slice each year, this one forgives the full amount at the end of year 20, so selling or moving out in year 19 could mean repaying it all; ask the County how early payoff works. The income range is wide, up to 140% AMI.
Households from very low income up to 140% AMI. Specific caps, price limits and any first-time rule are set in the County's guidelines, which were not available to us. Bradenton runs its own SHIP plan with a repayable loan.
| Program | Amount | Status |
|---|---|---|
| Manatee County SHIP | Up to $70,000 | Not verified |
| Bradenton SHIP | Up to $50,000 | Not verified |
| HFA Key to Homeownership | Up to $15,000 + MCC | Open |
The HFA's Key to Homeownership uses its own first mortgage. Hometown Heroes allows another agency's stand-alone help in third position; a participating lender confirms whether the County accepts it. To start, call the County office, ask about funding and the income chart, and line up homebuyer education.
Have your household size, gross income for every adult and a rough price range ready. Ask the County which income tier you fall into, whether a first-time rule applies, what the price cap is, and whether funds are available now or only through a list. Ask, too, what happens if you refinance before year 20, since the forgiveness comes all at once at the end.
Because the plan reaches 140% AMI, Manatee is one of the few local programs that may help moderate-income teachers, nurses and first responders who earn too much for 80% AMI programs; ask the County how funds are split across tiers.
See the Manatee County guide, mistakes that delay DPA, or check your eligibility.
Florida counties it covers: Manatee County.
Up to $70,000 under the County's plan, as a 0% loan fully forgiven after 20 years.
Buyers from very low income up to 140% AMI.
Not verified. Confirm funding with Manatee County Community & Veterans Services first.
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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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