Pinellas County SHIP Down Payment Assistance

Up to $75,000 for qualifying buyers in unincorporated Pinellas County.

Call (727) 642-1166

The Pinellas County SHIP program

The Pinellas County SHIP program helps qualifying buyers purchase a home located in unincorporated Pinellas County. Read our guide to the Pinellas County SHIP program for a deeper look.

City and county down payment assistance programs do not work directly with buyers — a qualified mortgage company processes your application with the program. Generation Mortgage Associates processes your down payment assistance application and provides the first mortgage, an FHA or conventional loan depending on your credit score.

Pinellas County SHIP down payment assistance at a glance

  • Assistance up to $75,000
  • Maximum purchase price $544,233
  • Credit score 640+
  • Income limits apply
  • Borrower minimum contribution: $1,000
  • Typical closing time: about 60 days
  • Only for homes in unincorporated Pinellas County

City programs inside Pinellas

Homes inside a city use that city’s program: City of St. Petersburg down payment assistance, City of Clearwater down payment assistance and City of Largo down payment assistance. Outside these areas — or with income above the limits — our all-Florida FHA program with a free 3.5% down payment works anywhere in Florida with no income limits.

How it works with us

1
Call or apply
Tell us where you want to buy and your situation — call (727) 642-1166 or <a href="/contact">contact us</a>.
2
Pre-qualify
We check your credit, income and the programs you qualify for, and recommend FHA or conventional financing.
3
Program application
We process the down payment assistance application with the program for you.
4
Find the home and close
Shop within the program’s price limit and close with the first mortgage and the assistance together.

Frequently Asked Questions

What is the Pinellas County SHIP program?

Down payment assistance for qualifying buyers purchasing a home in unincorporated Pinellas County — up to $75,000.

What is the maximum purchase price?

$544,233.

What credit score is required?

640 or higher.

How much do I have to put in?

A borrower minimum contribution of $1,000.

Are there income limits?

Yes, income limits apply.

How do I apply for the SHIP program?

Through a qualified mortgage company. We process your SHIP application and provide the first mortgage.

Buying in Pinellas County? Check your SHIP eligibility.

Call (727) 642-1166

Related programs: City of St. Petersburg down payment assistance · City of Clearwater down payment assistance · City of Largo down payment assistance · all-Florida FHA program with a free 3.5% down payment · first-time home buyer programs in St. Petersburg

Generation Mortgage Associates, LLC · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. We are a private mortgage company, not affiliated with or endorsed by any government program, county, city, FHA or housing authority. Program terms are set by each program and can change; all loans are subject to approval.