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Homeownership

Qualifications

homeowner at closing

Low- to moderate-income

Low- to moderate-income

Applicants must fall within the maximum annual gross income limits (before taxes) and meet all income-related eligibility guidelines.

Income limits are based on the total number of people who will live in the home and are set at 80 percent of the Area Median Income (AMI) for the Tampa–St. Petersburg–Clearwater Metropolitan Statistical Area (MSA).

These limits are defined by the U.S. Department of Housing and Urban Development (HUD) and are updated annually.

All sources of income are counted, including employment, public assistance, Social Security, disability benefits, child support, and other regular income.

 

Number of people living in the home

Maximum yearly income

1 person

$58,450

2 people

$66,800

3 people

$75,150

4 people

$83,450

5 people

$90,150

6 people

$96,850

7 people

$103,500

8 people

$110,200

*effective April 2025, subject to change

Learn more about the HUD income limits


Our team is here to answer questions and help guide you toward the best next step for your homeownership journey.

  • Downtown Dade City

    37220 Meridian Ave
    Dade City, FL 33525

    Monday - Friday
    8:30 AM – 4:30 PM

    appointments are recommended

  • retail & donation center
    open to the public

    4700 Allen Road
    Zephyrhills, FL 33541

    Tuesday - Saturday
    9:00 AM - 5:00 PM

    free donation pickups

    estate clean outs

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