Santa Rosa County SHIP First-Time Homebuyer Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Santa Rosa County
Buying a home in Midway, FL
1 county program and 26 statewide.Midway has no program of its own, 1 across Santa Rosa County, and 26 statewide. Here is what each one offers, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
What’s local to Midway
No program of Midway’s own yet
No program run for Midway alone is listed. A home in Midway can use Santa Rosa County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Pensacola, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Santa RosaAnywhere in Santa Rosa County
1 county program1 county program a Midway homebuyer can use
Income limits in Santa Rosa County
How programs here set their income limits
$92,800
County area median income, 4 people (HUD)HUD area median income, Santa Rosa County, 4-person household (2026)
28 of the 89 programs here set their income limit as a share of Santa Rosa County’s area median income, adjusted for household size. See the published limits for Santa Rosa County
Free help nearbyFree help near Midway
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Midway’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Santa Rosa County SHIP First-Time Homebuyer 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.
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
Midway questions
Does Midway have its own down payment program?
No program run for Midway alone is listed. A home in Midway can use the 1 program that cover Santa Rosa County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Midway?
Midway’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 Santa Rosa County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Santa Rosa 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 Midway?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Midway. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32343
Nearby in Santa Rosa
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.