Apply for New Housing Construction Program

Habitat for Humanity Home under construction

Loan funds are available to help homebuyers cover part of their down payment and closing costs when purchasing a home. The city of Clearwater, through its approved non-profit housing agencies, provides down payment and closing costs assistance to income eligible households who meet program criteria.

Assistance is provided in the form of a loan, 50% of which will be amortized over 20 years, payment on the other 50% will be deferred and forgiven at loan maturity, so long as no event of default exists. If the borrower defaults on any of the terms of the mortgage, the deferred amount will become due and payable. If the home is sold prior to the maturity date, the entire outstanding balance will be due to the City.

Payments will begin on the 50% amortized balance after a five-year deferral period. The property to be purchased must be the borrower’s principal residence and must be located within the city limits of Clearwater. The maximum loan amount is $45,000. The maximum sales price is $244,000 for an existing home and $263,000 for a newly constructed home.


Step 1.Check your eligibility

  • Borrowers/Participants must meet program income guidelines. When determining household income, all household members are counted, regardless of who is determined eligible/qualified for the first mortgage loan. All household income of people  18 years and older, who will reside in the property, must be included.
  • The borrower is not required to be a first-time home buyer to qualify for assistance, but they cannot own another property at the time of closing. 
  • Borrowers/Participants must provide documentation of their household income and assets along with other program requirements.

Check Your Income Eligibility

Step 2.Complete a homebuyer education workshop

Prior to entering the world of homeownership, completing a homebuyer education course is highly recommended, and depending on the type of assistance to be provided, it may be mandatory. If you are interested in exploring this type of opportunity, contact one of our partners that provides HUD-certified homebuyer education counseling:

Workshops are usually eight hours long, held over one or more sessions during a single weekend. Costs vary depending on the counseling agency. At the end of the workshop, you will receive a certificate of completion. This certificate is good for one year. 

Below is a list of HUD-approved agencies that are currently contracted through the city of Clearwater:

  • Suncoast Housing Connections (FKA - Tampa Bay Community Development Corp.)
    Down Payment Assistance and Homeowner Education Classes
    2139 NE Coachman Road
    Clearwater, Florida 33758
    (727) 442-7075
    (727) 442-4575

Step 3.Contact a qualified developer

To benefit from this new construction program, the home must be built by a qualified developer or builder who will construct the home through partnership with the city. However, if you are working with a developer or builder that is not on this list, your project may still qualify. Below is a list of qualified single-family home builders familiar with this program:

Habitat for Humanity of Pinellas and West Pasco Counties

14010 Roosevelt Blvd, Suite 704
Clearwater, FL 33762
Phone: (727) 536-4755
Hours: Monday – Friday, 9 a.m. to 5 p.m.

Clearwater Neighborhood Housing Services

608 North Garden Ave.
Clearwater, FL 33755
Phone: (727) 442-4155

Suncoast Housing Connections
2139 N.E. Coachman Road, Suite 1
Clearwater, FL 33765
Phone: (727) 442-7075

Emerge Community Economic Development Corporation
Community Development Corporation of Tampa
1907 East Hillsborough Avenue, Suite 100
Tampa, FL 33610
Phone: (813) 231-4362 

For more information, contact Chuck Lane, Assistant Director, Economic Development and Housing Department at (727) 562-4023, or Terry Malcolm-Smith, Housing Coordinator at (727) 562-4036.