Michael TheutKevin Castro Michael Theut & Kevin CastroLENDER + REALTOR® · FREE HOMEBUYER WEBINAR
352-279-5258 Check my county
Free DPA check · Florida first-time buyers

See what down payment help you can get.

Pick your county. We check every program you may qualify for on a free 15-minute call.

Free · no credit pull Tuesdays · 7 PM ET on Zoom English y Español
Michael TheutMortgage Loan Originator · NEXA Lending · NMLS #2674789(352) 279-5258
Kevin CastroREALTOR® · Trinity Real Estate Group(813) 327-3455

Get your free DPA check

Takes 20 seconds. No credit pull. We'll text you to set up your call.

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Down payment assistance

Help is out there. Most buyers never ask.

DPA programs all over Florida. Each has its own income limits and funding rounds, so we check them for you.

Statewide

Florida Hometown Heroes

$10,000 – $35,000
  • A deferred second mortgage, sized to your first mortgage
  • For full-time health care, school, first responder, public safety, court and child care workers, plus active military and veterans
  • Income limits apply · funded in rounds, first come, first served
Florida Housing program page ↗
Statewide

Florida Assist

Up to $10,000
  • A deferred second mortgage
  • Pairs with FHA, VA, USDA and conventional loans
  • Repaid when you sell, refinance or move out
Florida Housing homebuyer programs ↗
City of Tampa

Dare to Own the Dream

Up to $50,000
  • $30,000–$50,000, based on household income
  • A deferred second mortgage; ask us about the full terms
  • Homes inside Tampa city limits · income and price limits apply
City of Tampa program page ↗
Hillsborough County

Mortgage Credit Certificate

Up to $2,000 / year
  • A federal tax credit, not a loan, every year you live in the home
  • Can be combined with down payment assistance
  • First-time buyers, with income and price limits
Hillsborough County HFA ↗
Check my county →

Amounts, income limits and funding are set by each program, change often and are confirmed when you apply. Nobody should charge you a fee to apply for DPA.

Rather learn first?

Free live class, every Tuesday at 7 PM.

About 45 minutes on Zoom with a lender and a REALTOR®. Plain English, live Q&A, English y Español.

Save my Tuesday spot →
Michael TheutMortgage Loan Originator · NEXA Lending · NMLS #2674789(352) 279-5258
Kevin CastroREALTOR® · Trinity Real Estate Group(813) 327-3455
Questions

Straight answers

Does the DPA check cost anything?

No. It's a free 15-minute call with no obligation.

Will it hurt my credit?

No. The first call is a conversation. If you move forward with a pre-approval, Michael will tell you before any credit check is run.

Do I have to use both of you?

No. You're free to choose your own lender and your own agent.

¿Hablan español?

Sí. Michael y Kevin hablan español. Elija "Español" en el formulario.

Find out what help you can get.

Free 15-minute DPA check. No credit pull, no obligation.

Check my county →
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