Highlands County SHIP Purchase Assistance
Deferred second loan · Income limits
Down payment assistance · Highlands County
Buying a home in Placid Lakes, FL
1 county program and 26 statewide.Placid Lakes has no program of its own, 1 across Highlands 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 Placid Lakes
No program of Placid Lakes’s own yet
No program run for Placid Lakes alone is listed. A home in Placid Lakes can use Highlands County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Punta Gorda, about 45 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HighlandsAnywhere in Highlands County
1 county program1 county program a Placid Lakes homebuyer can use
Income limits in Highlands County
How programs here set their income limits
$75,600
County area median income, 4 people (HUD)HUD area median income, Highlands County, 4-person household (2026)
28 of the 89 programs here set their income limit as a share of Highlands County’s area median income, adjusted for household size. See the published limits for Highlands County
Free help nearbyFree help near Placid Lakes
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Placid Lakes’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Highlands County SHIP Purchase 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
Placid Lakes questions
Does Placid Lakes have its own down payment program?
No program run for Placid Lakes alone is listed. A home in Placid Lakes can use the 1 program that cover Highlands County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Placid Lakes?
Placid Lakes’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 Highlands County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Highlands 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 Placid Lakes?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Highlands
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.