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Home Ownership Program

The HFA currently offers three first mortgage options with rates as low as 4.00% (actual APR to be disclosed by the lender). Down payment and closing cost assistance is available in the form of a 0% second mortgage. Mortgage Credit Certificates are also available with most loans. For detailed information about the program, click here.

First-time buyers in Hillsborough County have 2 great options for down-payment assistance.

First-Mortgage Program


Down Payment Assistance Program

Mortgage Credit Certificate

You may also be eligible for a mortgage credit certificate. For more information click here.