Get Assistance
Dwellio Match™—Your Journey to Homeownership Starts Here
Dwellio connects first-time buyers with local Down Payment Assistance programs statewide to help you get into your first home — fast. We understand the challenges of saving for a down payment, which is why we've created a streamlined process to access funds you didn't know were available.
What We Do For You
Tell us where you're buying
Share your desired location and preferences to help us identify eligible assistance programs in your area.
Get matched with local DPA programs
We'll connect you with city, county, and state down payment assistance grants that fit your unique situation.
Find and finance your first home
Work with our team of Realtors and Loan Officers to secure your dream home with minimal out-of-pocket costs.
Your Timeline to Homeownership
1
Day 1: You Reach Out
You complete our quick pre-qualification form — no credit check, no stress. We immediately begin reviewing your eligibility for multiple assistance programs.
2
Days 2–4: You’re Matched and Pre-Approved
A licensed loan officer finalizes your pre-approval and down payment assistance package. You now know how much home you can afford — and how much you don’t need to bring to the table.
3
Days 5–14: You Start Touring Homes
You're matched with a local realtor who understands your budget and your assistance terms.
You begin touring homes with confidence and clarity.
4
Days 15–21: You Make an Offer
With your approval in hand, you make a strong offer.
Sellers take you seriously because your financing is secure and backed by assistance.
5
Days 30–45: You Close & Move In
We walk you through every detail — from underwriting to closing day.
You get the keys to your new home — with money still in your account, and a new chapter ahead.
Why First-Time Buyers Choose Dwellio
Access to Multiple DPA Programs
We connect you with city, county, and state down payment assistance grants that many buyers don't know exist.
Full-Service Support Team
Work with licensed Realtors and Loan Officers in one place, creating a seamless experience from pre-approval to closing.
Stress-Free Process
Enjoy fast pre-approvals with no upfront fees and no credit pull to see if you qualify for assistance programs.
Our Mission
At Dwellio, we believe that homeownership should be within reach — not just for the fortunate few, but for everyone willing to dream. Our mission is to guide individuals and families who never thought buying a home was possible, and show them that it is.
By connecting first-time buyers with powerful down payment assistance programs in their local communities, we break down the financial barriers that keep so many from owning a home. Whether you're working with limited savings, facing credit challenges, or simply unsure where to start — we’re here to walk you through every step.
At Dwellio, we don’t just help people find homes.
We help them build futures.
Who Qualifies for Down Payment Help?
First-Time Buyer Status
You qualify if you haven't owned a home in the past three years, even if you've previously owned property.
Income Requirements
Most programs have household income limits based on your county's median income and your household size.
Education
Completion of a HUD-approved homebuyer education course is typically required for assistance eligibility.
Property Guidelines
The home must be your primary residence and meet program-specific price limits for your county.
Helping First-Time Buyers Win — By the Numbers
86%
First-time buyers in Florida qualify for assistance but don’t know it.
3/4
Clients who apply with us qualify for $10K or more.
50+
Programs across Florida counties — and we know them all.
Real Help. Real Results.
We're not just here to sell homes. Dwellio was built to guide first-time buyers through one of life's biggest decisions — affordably, simply, and with local support every step of the way.
Our team of experts understands local markets and available assistance programs, ensuring you get the maximum benefit while finding a home that fits your lifestyle and budget.
🏡 Meet the Salinas – A New Start in Clearwater
First-Time Buyers | Ages 29 & 27 | Clearwater, FL
  1. Purchase Price: $310,000
  1. Cash to Close: $3,500 out of pocket
  1. Assistance Received: $42,000
The Martinez Family’s Big Step in Brandon
Young Family | Ages 34 & 33 | Brandon, FL
  1. Purchase Price: $345,000
  1. Down Payment: $4,200 out of pocket
  1. Assistance Received: $54,000 in Assistance
Engaged and Empowered: Taylor & Olivia in St. Pete
Engaged Couple | Ages 26 & 25 | St. Petersburg, FL
  1. Purchase Price: $285,000
  1. Down Payment: $2,900 out of pocket
  1. Assistance Received: $38,000
Frequently Asked Questions
Do I need perfect credit?
Not at all. Most programs work with moderate credit scores — often starting around 600. Many of our clients qualify even with past credit issues.
Is this a loan or a grant?
It depends on the program. Some counties/states offer grants you don’t have to repay, while others offer forgivable or zero-interest loans that are repaid only under specific conditions.
Is there a catch?
No! These are legitimate government programs designed to increase homeownership in communities.
How long does approval take?
Most applicants receive pre-approval within 24-48 hours after submitting documentation.
How much assistance can I get?
You could qualify for $10,000 to $75,000+ depending on your location, job, and income. We’ll match you with every program you're eligible for.
Do I have to be a first-time homebuyer?
Not always. Some programs define a “first-time buyer” as someone who hasn’t owned a home in the last 3 years. We’ll help you confirm your eligibility.