Home Investment Partnership Program (HOME)


  • Denise Thomas
  • (941) 748-4501, ext. 3474
  • Email Us

Are down payment and/or closing costs the only missing pieces to help you realize your dream of homeownership?

Many home buyers can afford a monthly mortgage payment but may not be able to pay all or a portion of the down payment and/or closing costs needed to purchase a home.

Eligible Very-Low (50% AMI) and Low (80% AMI)* Income applicants (2018 Income Limits) can receive assistance through the SHIP program to pay these costs. The homebuyer must agree to reside in the home as their primary residence.

HOME funds will be leveraged with Manatee County Housing Finance Authority Downpayment Program funding.  HOME downpayment assistance will be provided as a third mortgage loan to purchase existing and newly constructed single family homes and condominiums.

PLEASE NOTE: This application is for Certified Lenders only. If you are an individual interested in this program, please contact one of our participating lenders listed below. 

How do I Qualify?

  • Mobile homes are not eligible.
  • Homeowner must choose certified lender from Manatee County approved Lender list
  • Be a Home Buyer who will own the property as your permanent residence within 30 days of closing on the property.
  • Total household income must not exceed Manatee County’s Very Low or Low income limits for the HOME program.
  • Property must be located in unincorporated Manatee County.
  • Existing properties to be purchased must be inspected by Manatee County. (See HOME Downpayment – Property Inspection Report)
  • The total value of property (house and land) may not exceed the established levels per the maximum income limits as follows (Maximum Allowable Purchase Prices)
    • Very Low = $144,000
    • Low = $160,000
  • Property must pass an environmental assessment conducted by Manatee County staff.
  • Applicants must contribute $500 towards the purchase of the home.
  • Applicants must have obtained first mortgage financing approval and have an executed contract on property.
  • Applicants must complete one of Manatee County’s approved Homeownership Training Courses and receive a Certificate of Completion prior to closing. To register for one of these approved classes, please call one of the following: 


Program ends when all funding for this program has been committed to HOME eligible applicants.

How do I apply?

Certified lenders may access the web-based funding application through the links below. For additional information contact Redevelopment and Economic Opportunity Department, Community Development Division at (941) 748-4501, ext. 3474.

Required Submission Documents:

See Downpayment Assistance Application Process and income qualifications. 

Also, be sure to read the document that explains Income Inclusions-Exclusions for computing Total Annual Household Income.

When you are ready to apply, use the handy HOME submission checklist to be sure you have all the documents you need.

Lenders may also want to consult the HUD Handbook, a 799-page pdf document.

If you have questions or need further information, please contact:

Redevelopment and Economic Opportunity Department
Community Development Division
Phone: (941) 748-4501, ext. 3474
Fax:  (941) 742-5848

Certified Lender List

Only those lenders on the Certified Lenders List have satisfactorily completed mandatory training, and may participate in the 2018/19 Downpayment Assistance Program. The next training event will be held in late Spring of 2019.

2018 Certified Lender List