Manatee County · Florida Hometown Heroes Housing Program
Manatee County's TBA limit is $171,150, and its Bond price cap of $572,751 matches Sarasota's. Here's what Bradenton-area buyers should know.
The School District of Manatee County covers teachers and school staff here. Public safety jobs include the Manatee County Sheriff's Office, Manatee County EMS, Bradenton Police and Palmetto Police.
Shopping for new construction in Parrish or the Manatee portion of Lakewood Ranch? A new 1-unit home is eligible, but your closing has to happen within 60 days of the reservation, with one 30-day extension.
Bond income limits are $114,100 for 1 or 2 people and $131,215 for 3 or more. In Ellenton or Palmetto, smaller loans still get at least $10,000.
| Income cap, 1 or 2 people | Income cap, 3 or more | Price cap |
|---|---|---|
| $114,100 | $131,215 | $572,751 |
Manatee's Bond limits are $114,100 and $131,215 with a $572,751 price limit; TBA is $171,150. Compare with the statewide table or run the budget calculator.
Manatee County EMS paramedics and EMTs qualify, and so do full-time hospital and child care workers in the county. The eligible jobs list has the full set of roles.
County, city and employer programs here can sometimes sit behind the state loan, or replace it. Each has its own rules about combining, and a loan officer sorts out which ones fit together.
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
Read our full write-up Check whether I fitCity of Bradenton
0% loan, 20-year term, minimum $50/month payment; unpaid balance forgiven at end if in good standing. Status not verified on a City page.
Checked against the official page, November 2026. How we fact-check
Read our full write-up Check whether I fitManatee County
MCC: 'ONLY Target Area Funds are Available' (11/6/2026). Lock rates: government 6.500%, conventional 6.750%.
Checked against the official page, November 2026. How we fact-check
Read our full write-upCheck whether I fitThe full statewide list is on every Florida program.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Manatee County teach one or offer one-on-one counseling before you buy.
| Agency | Based in | How far | What they offer | Languages | How they meet |
|---|---|---|---|---|---|
| Rooted Communities, Inc. | Sarasota | 11 mi | homebuyer education class, pre-purchase counseling | English | Phone |
| Step Up Suncoast, Inc. F/K/A Manatee Community Action Agency, Inc. | Sarasota | 12 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| Florida Home Partnership Inc | Ruskin | 17 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| St. Petersburg Neighborhood Housing Services, Inc.Dba Neighborhood Home Solutions | St Petersburg | 27 mi | homebuyer education class, pre-purchase counseling | English | Phone |
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
Yes. Full-time EMTs and paramedics with a Florida ambulance service or fire department are eligible.
Manatee County uses $171,150 under TBA, or $114,100 and $131,215 under Bond.
Yes, in the Manatee portion, as long as the price and your income fit the limits for your loan option.
Nearby guides: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee. Or browse all counties.
When this program restarts, you'll be among the first to know. Meanwhile, want to see what's open today?
Run the 2-minute check
Tap the one closest to your job:
Free to use, zero effect on your credit score, and you can stop anytime.