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City of Jacksonville Head Start to HOME Ownership (H2H)

City of Jacksonville Head Start to HOME Ownership (H2H) is a deferred second loan for homebuyers in Jacksonville, Florida.

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The program asks for

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 620 credit score
  • A completed homebuyer education course
  • Residency: Must have lived in Duval County for 24+ consecutive months
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident
  • A home inside Jacksonville city limits

It doesn’t cover

  • Households above 80% of area median income
  • Homes outside Jacksonville

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

80% of Duval County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$108,700
Area median income, 4-person household (HUD, 2026)
Income limits in Florida

Where it applies

Jacksonville’s homes

  • 59.2% single-family
  • 5.2% townhouse
  • 7.1% 2–4 units
  • 24.7% 5+ units
  • 3.8% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$293,700

Jacksonville median home value

39.6%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Jacksonville

How to apply

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Free course · 10 minCity of Jacksonville Head Start to HOME Ownership (H2H), explained

Questions about this program

What is City of Jacksonville Head Start to HOME Ownership (H2H)?

City of Jacksonville Head Start to HOME Ownership (H2H) is a deferred second loan for homebuyers in Jacksonville, Florida. Jacksonville H2H provides up to $25,000 in 0% interest 15-year deferred second mortgage for eligible first-time homebuyers who have lived in Duval County 24+ consecutive months. $500 minimum contribution. Full repayment if sold within 36 months; 10% of proceeds if sold after 36 months. Funding comes from Federal.

Do you have to pay it back?

City of Jacksonville Head Start to HOME Ownership (H2H) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Repayment is triggered by Sale, Refinance, and Transfer of Title. The assistance is recorded in 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Jacksonville Head Start to HOME Ownership (H2H) is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 620. A homebuyer education course is required. Residency requirement: Must have lived in Duval County for 24+ consecutive months. Citizenship or immigration status: U.S. Citizen or Permanent Resident.

What are the income limits?

City of Jacksonville Head Start to HOME Ownership (H2H) limits household income to 80% of the area median income, which varies by county and household size. Income at or below 80% AMI for Duval County. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Jacksonville Head Start to HOME Ownership (H2H) can be used for Single Family, Condo, and Townhouse.

Where does it apply?

City of Jacksonville Head Start to HOME Ownership (H2H) serves homebuyers purchasing in Jacksonville, Florida.

How do you apply?

Applications for City of Jacksonville Head Start to HOME Ownership (H2H) go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Jacksonville homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 91 programs for Jacksonville

Program terms are set by the administering agency and can change; confirm on the official site before you apply.