Down Payment Assistance (DPA)


At CenterState Bank Mortgage, we recognize the fact that some homeowners may require a helping hand in order to pursue the American Dream of home ownership. Our experienced team of mortgage bankers can help you identify which down payment assistance program might be right for your family. We can even set the wheels in motion for your assistance application. Here’s a list of highly respected programs that your mortgage banker can help you with:


ProgamCounties CoveredMax Assistance AmountIncome RestrictionsRestricted to First Time BuyerIncome Calculation

Florida Housing Finance Corporation (FHFC) Bond Program

All Florida Counties 

Up to $7,500 with Government

Up to $7,500 with Conventional

OR 3% Grant

Varies from $62,520 to $85,560 Depending on County and Family Size


Conventional: Qualifying 1003

Government: Household

W.E. DeKalbDeKalb County, GA

Up to 5% of the loan amount as a grant 

1-2 People $81,000

3+ People $94,500 

 No Household
Federal Home Loan Bank All CSB Lending AreasUp to $5,000 for FTHB, or $7,500 for Veterans or Community Partners

80% of HUD Median Income Adjusted for Household Size

Depends on Programs:

Community Partners and Vets

Are Not Restricted 

HFA of Miami-Dade Miami-Dade Up to $15,000 

1-2 People $75,500

3+ People $82,600

Yes Household 

HFA of Lee County Opportunity Grant 

Lee, Broward, Charlotte, Collier,

Desoto, Palm Beach, Sarasota,

St. Johns and Volusia 

Up to 4% of the loan amount as a Grant

Up to $10,000 for Palm Beach county

Up to $7,500 for all other counties

Varies from $93,550 to $111,450

No 1003 Qualifying 
HFA of HillsboroughHillsborough, Clay, Brevard, Duval 

Hillsborough: Up to $7,500

Clay and Brevard: Up to $5,00

Varies form $61,700 to $77,880 depending on County and Family Size

Yes Household 
HFA of Pinellas Pinellas, Polk, Pasco 

Up to $7,500 for Pinellas county

Up to $5,000 for other counties

1‐2 People $70,800

3+ People $82,600

Yes Household 
Orange County HFA 

Orange, Lake, Osceola and


Up to $7,500 1‐2 People $63,900

3+ People $73,485

Government: Yes

Conventional: No 

Government: Household

Conventional: Qualifying 1003

HFA of Manatee Grant Program

Single Family 


Up to 5% of the loan amount as a Grant

Up to $10,000 as a 2nd mortgage

$80,845 Grant

Only 1‐2 People $70,300

3‐4 People $80,845


1003 Qualifying (Grant)

Household (2nd) 

Chenoa Fund

All CSB Lending Areas

3.5% of Purchase Price as 2nd mortgage

Rate Advantage 115%

DPA Edge Unlimited


1003 Qualifying