Forgivable loan
City of Cocoa Purchase Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Brevard County
Buying a home in Cocoa, FL
1 Cocoa program, 2 county programs and 26 statewide.Cocoa has 1 program of its own, 2 more across Brevard 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 Cocoa addresses
Cocoa’s own program
Anywhere in BrevardAnywhere in Brevard County
2 county programs2 county programs a Cocoa homebuyer can also use
3 more programs are for homes in Melbourne, Palm Bay and Titusville. See them 3 programs in neighboring cities — for homes inside those cities, not Cocoa
- Melbourne — City of Melbourne SHIP Down Payment Assistance
- Palm Bay — City of Palm Bay SHIP Purchase Assistance
- Titusville — City of Titusville First-Time Homebuyer Program
The Cocoa marketThe Cocoa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cocoa
- 61.9% single-familysingle-family
- 2.4% townhousetownhouse
- 6% 2–4 units2–4 units
- 24.8% 5+ unitscondo & apartment buildings (5+ units)
- 4.9% mobile & othermobile home & other
Condos count. 2 of Cocoa’s 3 local and county programs accept condos. Habitat for Humanity of Brevard County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cocoa’s homes were built
pre-19401970s2020+
54.9%
of Cocoa 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.
$97,000
County area median income, 4 people (HUD)HUD area median income, Brevard County, 4-person household (2026)
$63,105
Cocoa median household incomeMedian household income in Cocoa (Census, 2024)
30 of the 91 programs here set their income limit as a share of Brevard County’s area median income, adjusted for household size. See the published limits for Brevard County
Free help nearbyFree help near Cocoa
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Cocoa questions
Does Cocoa have its own down payment program?
Yes, one: City of Cocoa Purchase Assistance, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Cocoa.
Can I use assistance on a condo in Cocoa?
2 of Cocoa’s 3 local and county programs accept condos. Habitat for Humanity of Brevard County 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 Brevard County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Brevard 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 Cocoa?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32922 · 32923 · 32924 · 32926 · 32927
Nearby in Brevard
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.