2026 Tampa Bay First-Time Buyer Playbook
A free, no-fluff guide covering every down payment assistance program available to Tampa Bay buyers — with the exact stacking strategies Barrett uses to get clients into homes with $0 out of pocket.
What's Inside
Program Comparison Chart
All 12+ programs side-by-side: amounts, credit requirements, income limits, repayment terms. See which ones you likely qualify for at a glance.
Eligibility Checklist
Check-the-box format: credit score, income, employment, first-time status. Know where you stand before talking to a lender.
Stacking Strategies
The exact combinations that eliminate out-of-pocket costs: FHA + Hometown Heroes, USDA + FL Assist, VA + DPA, and the Chenoa Fund safety net.
Step-by-Step Timeline
Week-by-week breakdown from eligibility check through closing day. What to do, when to do it, and what to expect at each stage.
2026 Market Leverage Tips
How to negotiate seller concessions, identify assumable mortgages, and use today's buyer's market conditions to your advantage.
County-by-County Limits
Income caps and loan limits for all 8 counties Barrett serves: Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, Citrus, Hernando.
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Barrett Henry, REALTOR® & Broker Associate — RE/MAX Collective — (813) 733-7907