Alachua County SHIP Down Payment Assistance
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Alachua County
Buying a home in Hawthorne, FL
1 county program and 26 statewide.Hawthorne has no program of its own, 1 across Alachua County, and 26 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Hawthorne
No program of Hawthorne’s own yet
No program run for Hawthorne alone is listed. A home in Hawthorne can use Alachua County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Gainesville, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AlachuaAnywhere in Alachua County
1 county program1 county program a Hawthorne homebuyer can use
1 more program is for homes in Gainesville. See them 1 program in neighboring cities — for homes inside those cities, not Hawthorne
- Gainesville — City of Gainesville Down Payment Assistance Program (SHIP)
Income limits in Alachua County
How programs here set their income limits
$99,100
County area median income, 4 people (HUD)HUD area median income, Alachua County, 4-person household (2026)
28 of the 89 programs here set their income limit as a share of Alachua County’s area median income, adjusted for household size. See the published limits for Alachua County
Free help nearbyFree help near Hawthorne
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Hawthorne’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Alachua 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
Hawthorne questions
Does Hawthorne have its own down payment program?
No program run for Hawthorne alone is listed. A home in Hawthorne can use the 1 program that cover Alachua County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hawthorne?
Hawthorne’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 Alachua County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Alachua 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 Hawthorne?
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
32640
Nearby in Alachua
Sources
Sources: agency sites (June–July 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.