Homebuyers

City of Lakeland Home Purchase Assistance Program

The City of Lakeland Home Purchase Assistance Program provides financial assistance to eligible homebuyers to support the purchase of a home located within the Lakeland city limits. Eligible buyers may receive down payment and closing cost assistance of up to $40,000, based on household income and program criteria. Assistance is available to buyers with household incomes up to 140% of the Area Median Income (AMI). The home must be within the city limits of Lakeland to qualify. Check if the home you are purchasing is inside the city limits here.

To be eligible, buyers must complete a HUD-certified homebuyer education course through one of the following approved providers:

• Reach for Housing

• Housing Education Alliance

• or any another HUD-approved agency

Applications must be completed and submitted by the buyer’s lender through the City’s Neighborly application portal.

Income Limits and Assistance Amounts

Low Income:

Up to $40,000 available. The first $25,000 must be applied toward the down payment, and the remaining $15,000 may be used for either down payment and/or closing costs.

Households at or below 80% AMI

Households between 81% AMI and 100% AMI

Citywide – Funding available

Midtown CRA – Funding available

Citywide – Limited funding available

Midtown CRA – Funding available

Moderate Income

Up to $25,000 available. Funding may be used for down payment and/or closing costs.

Households between 101% AMI and 140% AMI

Citywide – Limited funding available

Midtown CRA – Funding available

Lenders

All packages and registration forms are to be submitted online by lenders only at portal.neighborlysoftware.com/LAKELANDFL/Participant. New lenders must first register their account, before signing into the portal.

The City of Lakeland Gap Program Manual can be accessed here

Citywide
Low-Income (up to 80% AMI) Funding Available
Moderate Income (81% to 140% AMI) Funding Available

Within Midtown CRA district
Low-Income (up to 100% AMI) Funding Available
Moderate-Income (101% to 140% AMI) Funding Available

CITY OF LAKELAND, FLORIDA

HOME PURCHASE ASSISTANCE INCOME SCHEDULE

BASED ON FAMILY SIZE	Up to 80%	Up to 100%	101% to 140%
1	48,900	61,200	85,680
2	55,900	69,900	97,860
3	62,900	78,600	110,040
4	69,850	87,300	122,220
5	75,450	94,300	132,020

Interactive Map for Homebuyers looking for New Construction Homes in Lakeland, FL.

Lots awarded to Builders are now available to begin constructing new homes on the lots they purchased. Each lot was purchased by a specific builder.

Map will connect homebuyers to builders by providing the contact information for each lot. Hover over the location you are interested in and the contact information for the Builder of that specific lot will be provided. Lots are no longer owned by the City of Lakeland. Homebuyer is responsible to reach out to Builder and work directly with Builder.

Interactive Map

Buying A New Home

View valuable information from the U.S. Department of Housing and Urban Development regarding home buying and homeownership. View the HUD Guide for Buying a Home for more information.