Forgivable loan
City of Ocala - Homebuyer Rehabilitation/New Construction
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Marion County
Buying a home in Ocala, FL
2 Ocala programs, 1 county program and 26 statewide.Ocala has 2 programs of its own, 1 more across Marion 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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Only for Ocala addresses
Ocala’s own programs
Deferred second loan
City of Ocala SHIP Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Anywhere in MarionAnywhere in Marion County
1 county program1 county program a Ocala homebuyer can also use
The Ocala marketThe Ocala housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ocala
- 51.7% single-familysingle-family
- 4.5% townhousetownhouse
- 8.6% 2–4 units2–4 units
- 30.2% 5+ unitscondo & apartment buildings (5+ units)
- 5% mobile & othermobile home & other
Condos count. 2 of Ocala’s 3 local and county programs accept condos. City of Ocala - Homebuyer Rehabilitation/New Construction lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ocala’s homes were built
pre-19401970s2020+
43%
of Ocala 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.
$84,000
County area median income, 4 people (HUD)HUD area median income, Marion County, 4-person household (2026)
$56,376
Ocala median household incomeMedian household income in Ocala (Census, 2024)
30 of the 91 programs here set their income limit as a share of Marion County’s area median income, adjusted for household size. See the published limits for Marion County
Free help nearbyFree help near Ocala
2 HUD-approved counseling agencies within 15 miles2 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
Ocala questions
Does Ocala have its own down payment program?
Yes, 2: City of Ocala - Homebuyer Rehabilitation/New Construction and City of Ocala SHIP Program. Each is for homes inside Ocala.
Can I use assistance on a condo in Ocala?
2 of Ocala’s 3 local and county programs accept condos. City of Ocala - Homebuyer Rehabilitation/New Construction lists single family. 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 Marion County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Marion 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 Ocala?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Ocala. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34470 · 34471 · 34472 · 34473 · 34474 · 34475 · 34476 · 34477 · 34478 · 34479 · 34480 · 34481 · 34482 · 34483
Nearby in Marion
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.