First-Time Homebuyer Programs in St. Petersburg, FL (2025 Guide)
“Owning a home is a keystone of wealth, both financial affluence and emotional security.” - Suze Orman
First-Time Homebuyer Programs in
St. Petersburg, FL (2025 Guide)
Introduction:
Thinking about buying your first home in St. Petersburg, FL?
Welcome to your go-to guide for first-time homebuyer programs in the Sunshine City...updated for 2025!
Whether you’re tired of renting, relocating to St. Pete, or simply ready to put down roots near the bay, you’ll find a range of programs and insider tips here to help make your dream home a reality. As a local mortgage strategist (and your friendly neighbor!), I’m here to help you navigate every step.
Why Buy in St. Pete? (Hint: It’s Not Just the Beaches)
St. Petersburg is known for its vibrant downtown, beautiful waterfront, lively arts scene, and welcoming neighborhoods. With popular spots like The Pier, Petes Bagels, and the Grand Central District, it’s no wonder so many first-time buyers are choosing to call St. Pete home.
Top First-Time Homebuyer Programs in St. Petersburg, FL (2025)
1. City of St. Petersburg Purchase Assistance Program
Up to $60,000 in assistance for qualifying first-time buyers
Can be used for down payment and closing costs
Must buy within St. Pete city limits and complete homebuyer education
Income and purchase price limits apply
👉 Learn more and apply on the City of St. Petersburg website
2. Florida Hometown Heroes Housing Program (2025 Update)
Geared toward teachers, first responders, healthcare workers, military, and more
Up to $35,000 in down payment and closing cost assistance
Available in St. Petersburg and throughout Florida
Must work with a participating lender (like yours truly!)
👉 More info from Florida Housing
3. Pinellas County Down Payment Assistance
Interest-free, deferred-payment loans up to $75,000 (check for 2025 updates and availability)
Designed for first-time homebuyers who meet income and purchase price requirements
Can be combined with other programs in some cases
👉 Pinellas County Program Details
4. State of Florida First-Time Homebuyer Programs
Florida Housing Finance Corporation offers statewide programs, including Florida Assist and Mortgage Credit Certificate (MCC)
Down payment, closing cost assistance, and possible tax credits for qualified buyers
What Counts as a “First-Time Homebuyer” in St. Pete?
Great news: For most programs, you’re considered a first-time buyer if you haven’t owned a home in the last three years...even if you owned in the past!
Pro Tips for Buying Your First Home in St. Petersburg
Start with Pre-Approval: Knowing your budget gives you an edge...especially in a hot market.
Explore Up-and-Coming Neighborhoods: In addition to Grand Central and Downtown, check out Kenwood, The Edge District, and Crescent Heights for hidden gems and value.
Complete Homebuyer Education: Most programs require it (and it’s super helpful).
Work with a Local Expert: St. Pete’s market moves fast...having a mortgage strategist in your corner can make all the difference.
Why Work with Me? (The Holden Difference)
As a proud St. Pete resident, board member of Pride in Real Estate, and dedicated mortgage strategist, I’m here to make your first home buying experience stress-free, transparent, and even fun. Whether you’re an LGBTQ+ buyer, single, coupled, or figuring it out as you go...I’ll help you unlock every program and perk available.
Ready to Start Your St. Pete Home Journey?
Let’s connect for a free strategy call!
Text or call me at 917-573-1191, email hkellerhals@nexamortgage.com, or schedule online.
Want to know if you qualify for these programs, or have questions about which one is best for you? I’m just a message away.
PS: Know someone who could use this info? Share this guide...and if any of your friends, family, or coworkers are looking to buy, sell, or refinance, can I count on you to introduce us on a two-way text? I’d love to help!
Holden Kellerhals – Mortgage Success Strategist, NEXA Mortgage, St. Petersburg, FL
NMLS #2646551 | www.holdenkellerhals.com
