Nassau County SHIP Affordable Housing Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Nassau County
Buying a home in Hilliard, FL
1 county program and 26 statewide.Hilliard has no program of its own, 1 across Nassau 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 Hilliard
No program of Hilliard’s own yet
No program run for Hilliard alone is listed. A home in Hilliard can use Nassau County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 29 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in NassauAnywhere in Nassau County
1 county program1 county program a Hilliard homebuyer can use
The Hilliard marketThe Hilliard housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hilliard
- 61% single-familysingle-family
- 0% townhousetownhouse
- 17.9% 2–4 units2–4 units
- 5.7% 5+ unitscondo & apartment buildings (5+ units)
- 15.5% mobile & othermobile home & other
Condos count. Hilliard’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hilliard’s homes were built
pre-19401970s2020+
43.6%
of Hilliard 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, Nassau County, 4-person household (2026)
$65,096
Hilliard median household incomeMedian household income in Hilliard (Census, 2024)
28 of the 89 programs here set their income limit as a share of Nassau County’s area median income, adjusted for household size. See the published limits for Nassau County
Free help nearbyFree help near Hilliard
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Hilliard’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Nassau County SHIP Affordable Housing 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
Hilliard questions
Does Hilliard have its own down payment program?
No program run for Hilliard alone is listed. A home in Hilliard can use the 1 program that cover Nassau County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hilliard?
Hilliard’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 Nassau County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Nassau 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 Hilliard?
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
32046
Nearby in Nassau
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.