Clay County SHIP First-Time Homebuyer Down Payment Assistance
Deferred second loan · Income limits
Down payment assistance · Clay County
Buying a home in Green Cove Springs, FL
1 county program and 26 statewide.Green Cove Springs has no program of its own, 1 across Clay 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 Green Cove Springs
No program of Green Cove Springs’s own yet
No program run for Green Cove Springs alone is listed. A home in Green Cove Springs can use Clay County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 24 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ClayAnywhere in Clay County
1 county program1 county program a Green Cove Springs homebuyer can use
The Green Cove Springs marketThe Green Cove Springs housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Green Cove Springs
- 89.3% single-familysingle-family
- 0% townhousetownhouse
- 3.9% 2–4 units2–4 units
- 5.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
Condos count. Green Cove Springs’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Green Cove Springs’s homes were built
pre-19401970s2020+
30.9%
of Green Cove Springs 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, Clay County, 4-person household (2026)
$75,142
Green Cove Springs median household incomeMedian household income in Green Cove Springs (Census, 2024)
28 of the 89 programs here set their income limit as a share of Clay County’s area median income, adjusted for household size. See the published limits for Clay County
Free help nearbyFree help near Green Cove Springs
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Green Cove Springs’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Clay County SHIP First-Time Homebuyer 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
Green Cove Springs questions
Does Green Cove Springs have its own down payment program?
No program run for Green Cove Springs alone is listed. A home in Green Cove Springs can use the 1 program that cover Clay County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Green Cove Springs?
Green Cove Springs’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 Clay County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Clay 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 Green Cove Springs?
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
32043
Nearby in Clay
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.