Citrus County SHIP Program
Deferred second loan · Income limits
Down payment assistance · Citrus County
Buying a home in Pine Ridge, FL
1 county program and 26 statewide.Pine Ridge has no program of its own, 1 across Citrus County, and 26 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Pine Ridge
No program of Pine Ridge’s own yet
No program run for Pine Ridge alone is listed. A home in Pine Ridge can use Citrus County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Ocala, about 26 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CitrusAnywhere in Citrus County
1 county program1 county program a Pine Ridge homebuyer can use
Income limits in Citrus County
How programs here set their income limits
$81,400
County area median income, 4 people (HUD)HUD area median income, Citrus County, 4-person household (2026)
28 of the 89 programs here set their income limit as a share of Citrus County’s area median income, adjusted for household size. See the published limits for Citrus County
Free help nearbyFree help near Pine Ridge
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Pine Ridge’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Citrus County SHIP 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
Pine Ridge questions
Does Pine Ridge have its own down payment program?
No program run for Pine Ridge alone is listed. A home in Pine Ridge can use the 1 program that cover Citrus County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Pine Ridge?
Pine Ridge’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 Citrus County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Citrus 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 Pine Ridge?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Pine Ridge. Create a free account and take the 90-second match to see the ones near you.
Nearby in Citrus
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.