Gadsden County SHIP Down Payment Assistance
Deferred second loan · Income limits
Down payment assistance · Gadsden County
Buying a home in Gretna, FL
1 county program and 26 statewide.Gretna has no program of its own, 1 across Gadsden 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Gretna
No program of Gretna’s own yet
No program run for Gretna alone is listed. A home in Gretna can use Gadsden County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Tallahassee, about 26 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in GadsdenAnywhere in Gadsden County
1 county program1 county program a Gretna homebuyer can use
The Gretna marketThe Gretna housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gretna
- 44% single-familysingle-family
- 0% townhousetownhouse
- 23.3% 2–4 units2–4 units
- 3.2% 5+ unitscondo & apartment buildings (5+ units)
- 29.6% mobile & othermobile home & other
Condos count. Gretna’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gretna’s homes were built
pre-19401970s2020+
61.1%
of Gretna 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.
$99,500
County area median income, 4 people (HUD)HUD area median income, Gadsden County, 4-person household (2026)
$35,903
Gretna median household incomeMedian household income in Gretna (Census, 2024)
28 of the 89 programs here set their income limit as a share of Gadsden County’s area median income, adjusted for household size. See the published limits for Gadsden County
Free help nearbyFree help near Gretna
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Gretna’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Gadsden 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Gretna questions
Does Gretna have its own down payment program?
No program run for Gretna alone is listed. A home in Gretna can use the 1 program that cover Gadsden County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gretna?
Gretna’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 Gadsden County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Gadsden 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 Gretna?
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
32332
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.