Hernando County SHIP Down Payment Assistance
Deferred second loan · Income limit 120% of AMI
Single Family, Condo, Townhouse
See details Jun 2026
Down payment assistance · Florida
Buying a home in Hernando County, FL
1 county-wide program, plus 22 statewide and 62 nationwide.Hernando has 1 program that covers the whole county. On top of those, 22 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in HernandoAnywhere in Hernando County
1 program for every Hernando address1 program that covers every Hernando address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Spring Hill, North Weeki Wachee or Brooksville can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Hernando, adjusted for household size. Each program publishes its own dollar limits.
The Hernando marketThe Hernando housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Hernando
- 76.6% single-familysingle-family
- 2.6% townhousetownhouse
- 2.1% 2–4 units2–4 units
- 4.2% 5+ unitscondo & apartment buildings (5+ units)
- 14.6% mobile & othermobile home & other
Condos count. The one county-wide program lists condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hernando’s homes were built
pre-19401970s2020+
18.6%
of Hernando 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.
$104,700
HUD area median income, 4 people (FY2026)HUD area median income, Hernando County, 4-person household (FY2026)
$66,058
Median household income (ACS 2024 5-year)Median household income in Hernando (Census ACS 2024 5-year)
82.5%
of occupied homes are owner-occupied (Florida: 67.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 24 of the 85 programs here set their income limit as a share of Hernando County’s area median income, adjusted for household size. See the published limits for Hernando County
Free help in HernandoFree help in Hernando
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Hernando’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Hernando County SHIP Down Payment Assistance asks 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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13 cities and placesA to Z
All cities in Hernando CountyAll 13 cities and places in Hernando County
Hernando questions
Can I use a county program anywhere in Hernando?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Hernando County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Hernando programs accept condos?
The one county-wide program lists condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Hernando?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.