The City of Lakeland Home Purchase Assistance Program provides financial assistance to eligible homebuyers purchasing a home located within the City of Lakeland.

Eligible buyers may receive up to $40,000 in down payment and closing cost assistance, depending on household income and program requirements.

Realtors

The City of Lakeland does not currently publish a public list of approved Realtors for its Home Purchase Assistance Program.

Realtors who work with buyers using Lakeland Down Payment Assistance should become familiar with the program requirements and work closely with the buyer's participating lender.

Important: The City requires the property to be located within the City of Lakeland limits.

Lenders

The City of Lakeland uses a lender registration and online submission process.

Applications and registration forms are submitted by lenders through the City's Neighborly application portal.

New lenders must register an account before accessing the portal.

Lenders interested in working with Lakeland Down Payment Assistance buyers should register through the City of Lakeland's Home Purchase Assistance webpage and review the current GAP Program Manual and lender requirements.

City of Lakeland Housing Office

Housing Office
📞 863-834-3360
📧 housing@lakelandgov.net
📍 1104 Martin L. King Jr. Avenue
Lakeland, FL 33805

Home Purchase Assistance Highlights

• Up to $40,000 in assistance may be available.
• Property must be located within Lakeland city limits.
• Household income may qualify up to 140% of Area Median Income (AMI), depending on the applicable program/funding category.
• Buyers must complete a HUD-certified homebuyer education course through an approved provider.
• The buyer's lender submits the application through the City's Neighborly portal.
• Funding is limited and is generally provided on a first-come, first-ready basis.
• New lenders must register before submitting applications.

Interested Realtors & Lenders

Are you a Realtor or mortgage lender who works with first-time and income-qualified homebuyers in Lakeland?

DPA Compass can help connect housing professionals with information about local Down Payment Assistance programs.

For current City of Lakeland requirements, lender registration, funding availability, and program questions, contact the City of Lakeland Housing Office directly.

Always verify current program requirements with the City before advising a buyer or entering into a transaction involving Down Payment Assistance