Assistance grant
City of Jacksonville - New $2M Low-Income Homebuyer Initiative
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Duval County
Buying a home in Jacksonville, FL
3 Jacksonville programs and 26 statewide.Jacksonville has 3 programs of its own, 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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Only for Jacksonville addresses
Jacksonville’s own programs
Deferred second loan
City of Jacksonville Head Start to HOME Ownership (H2H)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Deferred second loan
Jacksonville Housing Finance Authority Home Sweet Home DPA
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
The Jacksonville marketThe Jacksonville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Jacksonville
- 59.2% single-familysingle-family
- 5.2% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 24.7% 5+ unitscondo & apartment buildings (5+ units)
- 3.8% mobile & othermobile home & other
Condos count. All 3 of Jacksonville’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jacksonville’s homes were built
pre-19401970s2020+
39.6%
of Jacksonville 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, Duval County, 4-person household (2026)
$69,872
Jacksonville median household incomeMedian household income in Jacksonville (Census, 2024)
30 of the 91 programs here set their income limit as a share of Duval County’s area median income, adjusted for household size. See the published limits for Duval County
Free help nearbyFree help near Jacksonville
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask 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
Jacksonville questions
Does Jacksonville have its own down payment program?
Yes, 3: City of Jacksonville - New $2M Low-Income Homebuyer Initiative, City of Jacksonville Head Start to HOME Ownership (H2H) and Jacksonville Housing Finance Authority Home Sweet Home DPA. Each is for homes inside Jacksonville.
Can I use assistance on a condo in Jacksonville?
All 3 of Jacksonville’s local and county programs accept 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 Duval County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Duval 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 Jacksonville?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Jacksonville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32099 · 32201 · 32202 · 32203 · 32204 · 32205 · 32206 · 32207 · 32208 · 32209 · 32210 · 32211 · 32212 · 32214 · 32215 · 32216 · 32217 · 32218 · 32219 · 32220 · 32221 · 32222 · 32223 · 32224 · 32225 · 32226 · 32227 · 32228 · 32229 · 32230 · 32231 · 32232 · 32234 · 32235 · 32236 · 32237 · 32238 · 32239 · 32241 · 32244 · 32245 · 32246 · 32247 · 32254 · 32255 · 32256 · 32257 · 32258 · 32259 · 32260 · 32267 · 32276 · 32277 · 32290
Nearby in Duval
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.