Your Bradenton Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Down Payment Assistance Programs in Bradenton, FL — Home Loans & Pre-Approvals

Nick Lazarevic (NMLS #386391) with 1st Capital Group serves Bradenton and all of Manatee County with conventional, FHA, VA, and specialty loan programs. Bradenton offers a quieter alternative to neighboring Sarasota with Gulf beach access, a revitalized downtown, and growing suburban communities. Get pre-approved in as little as 24 hours.

Down Payment Assistance Programs in Bradenton

Bradenton buyers have access to statewide DPA programs plus Manatee County local assistance that can be combined for $45,000+ in total help toward your down payment and closing costs.

Statewide Programs Available to Bradenton Buyers

Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. For teachers, nurses, first responders, military, and 50+ eligible professions.
FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments.
FL HLP: Up to $10,000 — 3% interest, 15-year repayment.
Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans don’t need to be first-time buyers.

Manatee County Local Programs

Manatee County receives SHIP funding from the state and may offer additional local DPA programs. Program amounts and availability change throughout the year. I track which programs are currently funded and accepting applications in Bradenton and the surrounding area.

Bradenton DPA Stacking Example

Hometown Heroes: $35,000 (state)
FL Assist: $10,000 (state)
Manatee County SHIP/local programs: varies
Total potential: $45,000+ depending on local availability

I specialize in finding and stacking every DPA program you qualify for. Contact me for a personalized breakdown based on your income, occupation, and where you’re buying in Bradenton.

2026 Conforming Loan Limit

The conforming loan limit for Manatee County in 2026 is $832,750.

Frequently Asked Questions

Can I finance a vacation rental on Anna Maria Island?

Yes. DSCR loans qualify based on rental income and are popular for island vacation rentals. Conventional investment loans are also available.

What down payment assistance is available in Bradenton?

Statewide programs like Hometown Heroes (up to $35,000) and FL Assist ($10,000), plus Manatee County SHIP funding. These can often be stacked.

Bradenton & Manatee County Housing Market

Bradenton and Manatee County sit at the southern edge of the Tampa Bay metro, offering Gulf Coast living at prices generally below Sarasota. Anna Maria Island and Holmes Beach attract vacation home buyers and short-term rental investors, while Lakewood Ranch — one of the country’s top-selling master-planned communities — draws families and professionals. Palmetto and East Bradenton provide affordable entry points for first-time buyers. The market has strong investor appeal due to the combination of beach tourism and year-round population growth.

Available Loan Programs

Conventional Loans — Competitive rates for primary residences, second homes, and investment properties
FHA Loans — Low down payment options for first-time buyers
VA Loans — Zero down payment for eligible veterans
DSCR / Investor Loans — Qualify based on rental income, especially popular for Anna Maria Island rentals
Jumbo Loans — For premium Lakewood Ranch and island properties

Serving All of Manatee County

Nick serves homebuyers throughout Manatee County, including Bradenton, Palmetto, Anna Maria Island, and Lakewood Ranch. Licensed statewide.

Call: 954-300-1287 | Email: [email protected] | Contact Us for More Help