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 Lakewood Ranch
Lakewood Ranch sits in two counties — your assistance follows your home’s county line.
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.
10% of the purchase price toward your down payment — 15% for very-low-income households — up to $45,000, as a 0% deferred loan with no monthly payments. Income limits apply, and Sarasota County added $1.7 million in new SHIP funding in 2026. Buying inside the City of Sarasota? Assistance follows your property’s jurisdiction — city purchases may qualify under city/county SHIP rules.
Up to $30,000 toward your down payment and closing costs as a 0% deferred loan — no monthly payments. Income limits apply.
Up to $15,000 toward down payment and closing costs, available across Manatee County.
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.