Deferred second loan
City of Apopka SHIP Purchase Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Orange County
Buying a home in Apopka, FL
1 Apopka program, 3 county programs and 26 statewide.Apopka has 1 program of its own, 3 more across Orange County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Apopka addresses
Apopka’s own program
Anywhere in OrangeAnywhere in Orange County
3 county programs3 county programs a Apopka homebuyer can also use
1 more program is for homes in Orlando. See them 1 program in neighboring cities — for homes inside those cities, not Apopka
- Orlando — City of Orlando Down Payment Assistance Program
The Apopka marketThe Apopka housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Apopka
- 81.3% single-familysingle-family
- 4.4% townhousetownhouse
- 3.4% 2–4 units2–4 units
- 8.3% 5+ unitscondo & apartment buildings (5+ units)
- 2.5% mobile & othermobile home & other
Condos count. 2 of Apopka’s 4 local and county programs accept condos. Habitat for Humanity of Greater Orlando lists single family. Homes in Partnership lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Apopka’s homes were built
pre-19401970s2020+
10.9%
of Apopka homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$97,600
County area median income, 4 people (HUD)HUD area median income, Orange County, 4-person household (2026)
$96,884
Apopka median household incomeMedian household income in Apopka (Census, 2024)
31 of the 92 programs here set their income limit as a share of Orange County’s area median income, adjusted for household size. See the published limits for Orange County
Free help nearbyFree help near Apopka
10 HUD-approved counseling agencies within 15 miles10 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Apopka questions
Does Apopka have its own down payment program?
Yes, one: City of Apopka SHIP Purchase Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Apopka.
Can I use assistance on a condo in Apopka?
2 of Apopka’s 4 local and county programs accept condos. Habitat for Humanity of Greater Orlando lists single family. Homes in Partnership lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Orange County?
Each program sets its own. 31 of the programs here set theirs as a share of HUD’s area median income for Orange County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Apopka?
HUD-approved housing counseling agencies teach homebuyer classes, and 10 agencies are within 15 miles of Apopka. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32703 · 32704 · 32712
Nearby in Orange
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.