Down Payment Assistance Programs
We’ve got your back when it comes to buying a home! Don’t let down payment stop you from owning the house of your dreams – we collaborate with lenders that accept some seriously helpful Down Payment Assistance Programs in Pennsylvania and Florida. Check these out and get ready for homeownership!
Who Can Benefit from DPAs
Down Payment Assistance Programs are designed for a variety of potential homebuyers. Whether you’re a first-time buyer, a low-income family, or just someone struggling to gather enough funds for a down payment, there’s likely a DPA that could benefit you.
Types of Down Payment Assistance
Various forms of assistance are available, including:
- Grants: These are funds that you do not have to repay, provided you fulfill certain conditions, typically involving living in the home for a set period.
- Second Mortgages: These are loans with favorable terms, often with low or deferred interest payments.
- Tax Credits: Some programs provide tax breaks rather than direct financial assistance.
Applying for Down Payment Assistance
The application process for DPAs varies by program and location. We at Innovative Mortgage Brokers work with lenders who accept these assistance programs and we can guide you through the process.
Please reach out to us for the most up-to-date information about the currently available Down Payment Assistance Programs. As part of our commitment to providing flexible solutions and professional service, we’re ready to help you find a mortgage solution that fits your unique needs.
Start Your Homeownership Journey Today
Don’t let the initial down payment deter you from owning your dream home. Explore the options available to you and take that first step towards homeownership today. Contact us at Innovative Mortgage Brokers, and let us help you navigate these beneficial programs.
To find a program that suits your needs, here is a great resource. This tool allows you to search for programs based on your location and personal circumstances.
Below is a short list of just a few of the many programs available. Remember, finding the right DPA is just the first step. At Innovative Mortgage Brokers, we’re here to guide you through every part of the homebuying process, ensuring you make the most of the opportunities available.
| State | Financing Source | Program Name | Product | Contact |
| PA | Butler County | First Time Homebuyer Down Payment / Closing Cost Assistance Program |
Conventional | 724-287-6797 |
| PA | Butler County | First Time Homebuyer Down Payment / Closing Cost Assistance Program |
FHA | 724-287-6797 |
| PA | Dauphin County | First Time Homebuyer Program | FHA | 717-780-6250 |
| PA | Dauphin County | First Time Homebuyer Program | Conventional | 717-780-6250 |
| PA | Montgomery County | First Time Homebuyer Program | FHA | 610-278-3540 |
| PA | Montgomery County | First Time Homebuyer Program | Conventional | 610-278-3540 |
| PA | (NHS) Neighborhood Housing Services of Greater Berks, Inc. |
NHS CCAL Loan | Conventional | 610-372-8433 |
| PA | (NHS) Neighborhood Housing Services of Greater Berks, Inc. |
NHS FHA CCAL Loan | FHA | 610-372-8433 |
| PA | Philadelphia Housing Development Corp / City of Philadelphia |
Philly First Home Grant Program | FHA | 215-686-9749 |
| PA | Philadelphia Housing Development Corp / City of Philadelphia | Philly First Home Grant Program | Conventional | 215-686-9749 |
| PA | Urban Redevelopment Auhtority of Pittsburgh/ Center for Housing Opportunities (CHO) |
Down Payment and Closing Cost Assistance Program (DPCCAP) | Conventional | 412-255-6561 |
| PA | Urban Redevelopment Auhtority of Pittsburgh/ Center for Housing Opportunities (CHO) |
Down Payment and Closing Cost Assistance Program (DPCCAP) | FHA | 412-255-6561 |
| PA | Urban League | HOMEPHL | Conventional and FHA | 215-985-3220 |
| PA | Urban League | West / Southwest Philly | Conventional and FHA | 215-985-3220 |
| FL | Brandt House Inc | DPA Grant | Conventional | 402-443-6231 |
| FL | Brandt House Inc | DPA Grant | FHA | 402-443-6231 |
| FL | City of Boynton Beach | SHIP | Conventional | 561-742-6066 |
| FL | City of Boynton Beach | SHIP | FHA | 561-742-6066 |
| FL | City of Davie | SHIP First Time Homebuyer Program | Conventional | 954-797-1173 |
| FL | City of Davie | SHIP First Time Homebuyer Program |
FHA | 954-797-1173 |
| FL | City of Delray Beach | Purchase Assistance Program/SHIP |
Conventional | 561-243-7038 |
| FL | City of Delray Beach | Purchase Assistance Program/SHIP |
FHA | 561-243-7038 |
| FL | City of Fort Pierce | SHIP | Conventional | 772-467-3161 |
| FL | City of Fort Pierce | SHIP | FHA | 772-467-3161 |
| FL | City of Hollywood | First Time Homebuyer Purchase Assistance Program |
Conventional | 954-357-4900 |
| FL | City of Hollywood | First Time Homebuyer Purchase Assistance Program | FHA | 954-357-4900 |
| FL | City of Orlando | SHIP Down Payment Assistance Program | Conventional | 407-246-2708 |
| FL | City of Orlando | SHIP Down Payment Assistance Program | FHA | 407-246-2708 |
| FL | City of Palm Bay/Community Housing Initiative |
Down Payment Assistance Program | Conventional | 321-253-0053 |
| FL | City of Palm Bay/Community Housing Initiative |
Down Payment Assistance Program | FHA | 321-253-0053 |
| FL | City of St Petersburg | Purchase Assistance Program/Homeownership Assistance Loan Program/SHIP Funds |
Conventional | 727-892-5562 |
| FL | City of St Petersburg | Purchase Assistance Program/Homeownership Assistance Loan Program/SHIP Funds | FHA | 727-892-5562 |
| FL | City of Tamarac | First Time Homebuyer Purchase Assistance Program | FHA | 954-597-3549 |
| FL | City of Tamarac | First Time Homebuyer Purchase Assistance Program | Conventional | 954-597-3549 |
| FL | City of Tampa | East Tampa CRA Down Payment Assistance Program | Conventional | 813-274-7940 |
| FL | City of Tampa | East Tampa CRA Down Payment Assistance Program | FHA | 813-274-7940 |
| FL | Columbia County / Suwannee River Economic Council | SHIP | Conventional | 386-362-4115 |
| FL | Columbia County / Suwannee River Economic Council |
SHIP | FHA | 386-362-4115 |
| FL | Dixie County / Suwannee River Economic Council | SHIP | Conventional | 386-362-4115 |
| FL | Dixie County / Suwannee River Economic Council | SHIP | FHA | 386-362-4115 |
| FL | Gulf County | Hurricane Housing Recovery Program | Conventional | 850-697-2542 |
| FL | Gulf County | Hurricane Housing Recovery Program | FHA | 850-697-2542 |
| FL | Hamilton County | SHIP | Conventional | 386-792-0507 |
| FL | Hamilton County | SHIP | FHA | 386-792-0507 |
| FL | Hernando County | SHIP Down Payment Assistance Program |
FHA | 352-754-4160 |
| FL | Hernando County | SHIP Down Payment Assistance Program |
Conventional | 352-754-4160 |
| FL | Nassau County | SHIP | Conventional | 904-530-6020 |
| FL | Nassau County | SHIP | FHA | 904-530-6020 |
| FL | Okeechobee County | SHIP | Conventional | 863-763-6441 |
| FL | Okeechobee County | SHIP | FHA | 863-763-6441 |
| FL | Orange County | Down Payment Assistance Program |
FHA | 407-836-5174 |
| FL | Orange County | Down Payment Assistance Program | Conventional | 407-836-5174 |
| FL | Palm Beach County | SHIP | Conventional | 561-233-3600 |
| FL | Palm Beach County | SHIP | FHA | 561-233-3600 |
| FL | Palm Beach County | Workforce Housing Program | Conventional | 561-233-3693 |
| FL | Palm Beach County | Workforce Housing Program | FHA | 561-233-3693 |
| FL | Pinellas County | SHIP | Conventional | 727-464-8210 |
| FL | Pinellas County | SHIP | FHA | 727-464-8210 |
| FL | Pinellas Realtor Foundation | DPA Grant | Conventional | 727-347-7655 |
| FL | Pinellas Realtor Foundation | DPA Grant | FHA | 727-347-7655 |
| FL | Polk County HANDS of Central Florida | GAP Program / SHIP | FHA | 863-682-1025 |
| FL | Polk County HANDS of Central Florida | GAP Program / SHIP | Conventional | 863-682-1025 |
| FL | Realtors Care Foundation | Home Buyers Grant Program | FHA | 813-310-8200 |
| FL | Realtors Care Foundation | Home Buyers Grant Program | Conventional | 813-310-8200 |
| FL | Solita’s House Inc | Down Payment Assistance Loan | Conventional | 813-575-0465 |
| FL | Sumter County | SHIP | Conventional | 352-689-4400 |
| FL | Sumter County | SHIP | FHA | 352-689-4400 |
The list is constantly changing. Reach out for more up to date info.
