The Strategy
In today’s market, sellers are paying to help buyers close — closing costs covered, rates bought down. We structure your loan to take every dollar of it.
Programs That Can Help You Buy in Bradenton
Up to $35,000 toward your down payment and closing costs (5% of your first mortgage) as a 0% interest deferred loan — no monthly payments. For first-time buyers who work in Florida in healthcare, education, first response, public safety, childcare or corrections, plus active military and veterans. 640 minimum credit score; income limits apply; must use a Florida Housing first mortgage.
$10,000 toward your down payment and closing costs from Florida Housing — 0% interest, deferred for 30 years, no monthly payments.
0% down and no monthly mortgage insurance for eligible veterans, service members and surviving spouses.
Up to $40,000 toward buying inside Bradenton city limits. It can cover your down payment, up to $10,000 of your closing costs, and can even be used to buy down your rate. 0% deferred loan; first-time buyers; income limits apply.
Up to $30,000 for purchases outside Bradenton city limits — 0% deferred, no monthly payments. Income limits apply.
Up to $15,000 toward down payment and closing costs, available county-wide including Bradenton.
Frequently Asked Questions
Does assistance have to be repaid?
Most listed assistance is a 0% deferred loan: no monthly payments, with repayment generally due on sale or refinance. Exact terms vary by program.
Do I need perfect credit?
No. Florida Housing programs start at a 640 minimum credit score, and we check your full situation before you shop.
Can programs stack?
Often, yes. Stacking is subject to eligibility, income and property requirements, and lender approval.