St. Johns County SHIP Down Payment Assistance
Deferred second loan · Income limits
Down payment assistance · St. Johns County
Buying a home in Fruit Cove, FL
1 county program and 26 statewide.Fruit Cove has no program of its own, 1 across St. Johns 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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What’s local to Fruit Cove
No program of Fruit Cove’s own yet
No program run for Fruit Cove alone is listed. A home in Fruit Cove can use St. Johns County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in St. JohnsAnywhere in St. Johns County
1 county program1 county program a Fruit Cove homebuyer can use
The Fruit Cove marketThe Fruit Cove housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fruit Cove
- 86.8% single-familysingle-family
- 4.6% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 5.3% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
Condos count. Fruit Cove’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fruit Cove’s homes were built
pre-19401970s2020+
8.3%
of Fruit Cove 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.
$108,700
County area median income, 4 people (HUD)HUD area median income, St. Johns County, 4-person household (2026)
$141,863
Fruit Cove median household incomeMedian household income in Fruit Cove (Census, 2024)
28 of the 89 programs here set their income limit as a share of St. Johns County’s area median income, adjusted for household size. See the published limits for St. Johns County
Free help nearbyFree help near Fruit Cove
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Fruit Cove’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.St. Johns 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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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Fruit Cove questions
Does Fruit Cove have its own down payment program?
No program run for Fruit Cove alone is listed. A home in Fruit Cove can use the 1 program that cover St. Johns County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Fruit Cove?
Fruit Cove’s one local program accepts condos. 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 St. Johns County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for St. Johns 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 Fruit Cove?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Fruit Cove. Create a free account and take the 90-second match to see the ones near you.
Nearby in St. Johns
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.