Citrus County SHIP Program
Deferred second loan · Income limits
Down payment assistance · Citrus County
Buying a home in Hernando, FL
1 county program and 26 statewide.Hernando has no program of its own, 1 across Citrus 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 Hernando
No program of Hernando’s own yet
No program run for Hernando alone is listed. A home in Hernando can use Citrus County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Ocala, about 24 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CitrusAnywhere in Citrus County
1 county program1 county program a Hernando homebuyer can use
The Hernando marketThe Hernando housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hernando
- 53.3% single-familysingle-family
- 0.5% townhousetownhouse
- 1.2% 2–4 units2–4 units
- 0.8% 5+ unitscondo & apartment buildings (5+ units)
- 44.2% mobile & othermobile home & other
Condos count. Hernando’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hernando’s homes were built
pre-19401970s2020+
36.3%
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.
$81,400
County area median income, 4 people (HUD)HUD area median income, Citrus County, 4-person household (2026)
$43,076
Hernando median household incomeMedian household income in Hernando (Census, 2024)
28 of the 89 programs here set their income limit as a share of Citrus County’s area median income, adjusted for household size. See the published limits for Citrus County
Free help nearbyFree help near Hernando
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Hernando’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Citrus County SHIP Program 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
Hernando questions
Does Hernando have its own down payment program?
No program run for Hernando alone is listed. A home in Hernando can use the 1 program that cover Citrus County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hernando?
Hernando’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 Citrus County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Citrus 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 Hernando?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Hernando. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34442
Nearby in Citrus
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.