Realtors Care Foundation (RCF) First Time Home Buyer Grant Program

Special Alert

Maximum Purchase Price


Contact Info:

https://realtorscarefoundation.org/about 813-310-8200


  • The homebuyer must be a first-time homebuyer who is a US citizen or a permanent resident alien.
  • RCF does not combine our down payment assistance with any other grant or down payment assistance award other than seller contributions or a gift letter.
  • All items on the checklist must be submitted together with a completed RCF application. An incomplete package will not be considered or reviewed.
  • After the application has been reviewed and it has been determined that all the criteria have been met and the application is complete, the applicant will be notified of the date that he/she will be scheduled to attend an interview with the RCF Selection Committee.
  • All adults that will be residing in the home regardless of if they are or are not on the deed or mortgage must attend this interview.
  • This interview is approximately 15 minutes and is held at 2918 W. Kennedy Blvd, Tampa FL 33609 at 1.p.m. on the first Wednesday of the month prior to the stated closing date in the Contract for Sale.
  • The Lender and REALTOR® representing the Buyer must also be present at this interview.
  • Applications are processed on a first-come, first-serve basis.
  • The RCF Selection Committee holds interviews on the first Wednesday of the month.
  • To be considered for an interview, applications must be submitted the Wednesday prior at 3 p.m.
  • There are a limited number of interview slots available.
  • We cannot guarantee that the application will be considered for the next interview even if submitted by the deadline.
  • Failure to complete a full, accurate and complete application package will result in an inability to schedule you for an interview.
  • Please follow the checklist that is part of this application closely. All items required per the checklist must be submitted at the same time, in one complete package. RCF does not accept partial packages.
  • After the interview, the buyer must allow one week for a final decision to be made by the RCF Selection Committee.
  • The Buyer will be notified of this decision via US Mail.
  • RCF MUST receive the FINAL CD (Closing Documents) 72 hours in advance of closing. NO EXCEPTIONS.
  • Closings occurring prior to the 72 hours will NOT be funded by RCF.
  • A representative of RCF must attend the closing.
  • The buyer must contribute (from their OWN funds, NOT in the form of a gift or seller contribution) 1% of the purchase price or $1,000, whichever is greater.
  • Proof of this expenditure must be provided to RCF no later than the time of the scheduled interview.
  • The applicant must be a US citizen or have a permanent resident card.

Credit Score Requirements

Based on 1st mortgage requirements.

Deferred Payments?


Accepted First Mortgage Type:

Freddie Mac, Freddie Mac HFA Advantage, Freddie Mac Home Possible, Fannie Mae, Fannie Mae HFA Preferred, Fannie Mae HomeReady, FHA 203(b), VA, USDA / RD

Homeowners Education Class:


Is Forgivable?

Grant, forgiven at closing.


6 Counties: Hernando, Hillsborough, Manatee, Pasco, Pinellas, Polk Property to be purchased must be in Hillsborough, Pasco, Pinellas, Hernando, Polk or Manatee County, FL.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from HUD 2022 140% AMI guidelines Applicant must be a family or individual who meet the household (140%) Income Limits established by HUD. All household income is considered.

Maximum Assistance

$7,500 $7,500 is the max amount of assistance, but not guaranteed. The amount of funds distributed is determined by the Selection Committee and all grants are based on need.

Education Requirements Info:

CITY OF TAMPA HOUSING AND COMMUNITY DEVELOPMENT DIVISION Phone: 813-274-7977 E-mail: N/A Website: https://www.tampagov.net/ Agency ID: 84755 306 E Jackson St # 3N Tampa, Florida 33602-5208 CORPORATION TO DEVELOP COMMUNITIES OF TAMPA Phone: 813-231-4362-3600 Fax: 813-231-4680 E-mail: Debbi.Jarrie@cdcoftampa.org Website: https://www.cdcoftampa.org/ Agency ID: 82364 1907 East Hillsborough Avenue Suite 100 Tampa, FL 33610 NUEVA ESPERANZA, INC. GREENPATH FINANCIAL WELLNESS Phone: 888-860-4167 E-mail: housingdepartment@greenpath.com Website: https://www.greenpath.com/ Agency ID: 90070 5100 W Kennedy Blvd Suite 125 Tampa, Florida 33609-1849 GREENPATH, INC. HOUSING AND EDUCATION ALLIANCE Phone: 813-932-4663 Fax: 813-932-4660 E-mail: Info@heausa.org Website: https://www.heausa.org/ Agency ID: 84339 9215 N. Florida Avenue, Suite 101 TAMPA, Florida 33612-7938 UNIDOS US NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) TAMPA, FL Phone: 813-287-5051 Toll-free: 617-250-6222 Fax: 877-329-6222 E-mail: N/A Website: https://www.naca.com/ Agency ID: 84374 3825 Henderson Blvd Ste 502 Tampa, Florida 33629-5031

Eligible Property Types:

Single Family DetachedCondo Townhome/PUDManufactured Home Mobile Home

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $84,700$96,740$108,780$120,820$130,620$140,280$149,940$159,600 *Income limits as of 05/30/2023

Qualifying Ratios:

Determined by first mortgage product or lender.
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