Buying in Pinellas County? Check the address and see if it qualifies for Down Payment Assistance. Pinellas County is still accepting applications for their Down Payment Assistance Program.

Pinellas County says its Down Payment Assistance Program is accepting applications. Eligible buyers may qualify for an interest-free, deferred loan of up to $75,000 toward a down payment and closing costs. The County updated its program terms on August 1, 2026. Pinellas County

Here’s the detail that can save a buyer time: the home’s address matters. This County program covers unincorporated Pinellas and eligible cities. St. Petersburg, Clearwater, and Largo have their own assistance programs, so a home in one of those cities needs a different program review. Pinellas County

The County also requires the home to be a primary residence, sets income and purchase-price limits, and requires homebuyer education and counseling. The buyer’s first mortgage lender submits the assistance application. The loan’s repayment terms matter too, so we should review them alongside the first mortgage before making an offer. Pinellas County

If you’re shopping in Pinellas, send me the area or a property address. I can help you check which assistance program applies and look at the full picture: your estimated payment, cash needed at closing, and program qualifications. Availability and approval must be confirmed for each buyer.

Karen Cascone | NMLS #2383341 MortgagesByKarenCascone.com 

508-728-5769 | 727-266-0236

EQUAL HOUSING LENDER

Program terms, funding, and eligibility can change. Assistance and financing are subject to approval.