Clay County SHIP First-Time Homebuyer Down Payment Assistance
Deferred second loan · Income limits
Down payment assistance · Clay County
Buying a home in Orange Park, FL
1 county program and 26 statewide.Orange Park has no program of its own, 1 across Clay 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 Orange Park
No program of Orange Park’s own yet
No program run for Orange Park alone is listed. A home in Orange Park can use Clay County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ClayAnywhere in Clay County
1 county program1 county program a Orange Park homebuyer can use
The Orange Park marketThe Orange Park housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Orange Park
- 63.7% single-familysingle-family
- 5.3% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 23.8% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Orange Park’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Orange Park’s homes were built
pre-19401970s2020+
69.6%
of Orange Park 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, Clay County, 4-person household (2026)
$77,106
Orange Park median household incomeMedian household income in Orange Park (Census, 2024)
28 of the 89 programs here set their income limit as a share of Clay County’s area median income, adjusted for household size. See the published limits for Clay County
Free help nearbyFree help near Orange Park
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
Orange Park’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Clay County SHIP First-Time Homebuyer Down Payment Assistance 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
Orange Park questions
Does Orange Park have its own down payment program?
No program run for Orange Park alone is listed. A home in Orange Park can use the 1 program that cover Clay County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Orange Park?
Orange Park’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 Clay County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Clay 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 Orange Park?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Orange Park. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32003 · 32065 · 32067 · 32073
Nearby in Clay
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.