SeatDade City
Residents674,516
Income cap, 3+$131,905
Price cap$566,354
The Pasco picture
Full-time staff of Pasco County Schools qualify whether they work in Wesley Chapel, Land O' Lakes or New Port Richey. Public safety employers include the Pasco Sheriff's Office, Pasco County Fire Rescue, New Port Richey Police and Zephyrhills Police.
Work across the county line in Tampa? That's fine: the rule is full-time work at a Florida location of an eligible employer, so a Pasco resident teaching in Hillsborough schools qualifies the same way.
Pasco's Bond price cap is $566,354. New construction is common here, and a 1-unit new home is eligible like any other, but your loan must close within 60 days of the reservation, with one 30-day extension. Ask your lender how that fits a builder's timeline.
Caps that apply in Pasco County
Pasco's Bond limits are $114,700 and $131,905 with a $566,354 price cap; TBA is $172,050 for any household size. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
- Pasco County Schools
- Pasco Sheriff's Office
- Pasco County Fire Rescue
- New Port Richey Police Department
- Zephyrhills Police Department
If you live in Pasco but work full-time for an eligible employer elsewhere in Florida, you still meet the job rule. The eligible jobs list has the full set of roles.
Local money in Pasco County
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.
Pasco County
- Amount
- $65,000 (very low, 50% AMI); $50,000 (low, 80% AMI)
- Kind of help
- Forgivable second loan
- Who it's for
- 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.
Checked against the official page, November 2026. How we fact-check
Read our full write-upCheck whether I fitPinellas, Pasco, Polk Counties
- Amount
- $10,000 Pinellas; $7,500 Pasco and Polk
- Kind of help
- Deferred loan, due at sale or refinance
- Who it's for
- First-time buyers using the HFA first mortgage
- Income cap
- See HFA limits
- First-timers only
- Yes
- Also note
- FICO 660; homebuyer education
Lock rates 11/6/2026: government 6.750%, conventional 7.000%.
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.
Homebuyer classes near Pasco County
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Pasco County teach one or offer one-on-one counseling before you buy.
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
Which class counts for you? Your loan officer knows which courses each Florida program accepts and can start your pre-approval in the same conversation.
Start with the 2-minute check
Pasco County, asked and answered
I live in Pasco but work in Tampa. Do I qualify?
Yes, if your full-time job is with an eligible employer at a Florida location.
Can I use Hometown Heroes on a new build?
Yes, but the loan must close within 60 days of the reservation (one 30-day extension), so timing with the builder matters.
What's the income limit in Wesley Chapel?
Pasco uses $172,050 under TBA, or $114,700 and $131,905 under Bond.
Nearby guides: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee. Or browse all counties.
