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Jacksonville Housing Finance Authority Home Sweet Home DPA

Jacksonville, Florida

Last verified
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Income limit

115% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

What is Jacksonville Housing Finance Authority Home Sweet Home DPA?

Jacksonville Housing Finance Authority Home Sweet Home DPA is a deferred second loan for homebuyers in Jacksonville, Florida.

  • JHFA Home Sweet Home provides up to $15,000 in 30-year deferred 0% second mortgage (must be repaid at sale/refinance — not forgiven) paired with HFA first mortgage bond loan. Available in Duval, Clay, and Brevard counties.
  • Funding comes from State.

Do you have to pay it back?

Jacksonville Housing Finance Authority Home Sweet Home DPA 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?

Jacksonville Housing Finance Authority Home Sweet Home DPA is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 640 credit score
  • A completed homebuyer education course

The program excludes

  • Households above 115% of area median income

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

What are the income limits?

Jacksonville Housing Finance Authority Home Sweet Home DPA limits household income to 115% of the area median income, which varies by county and household size.

  • Income limits vary by household size. Generally up to 80%-120% AMI.
  • 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?

Jacksonville Housing Finance Authority Home Sweet Home DPA can be used for Single Family, Condo, and Townhouse.

Where does it apply?

Jacksonville Housing Finance Authority Home Sweet Home DPA serves buyers purchasing in Jacksonville, Florida.

How do you apply?

Applications for Jacksonville Housing Finance Authority Home Sweet Home DPA go through the administering agency, which publishes the current terms and the application steps on its own site.

  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 buyer can take it to a lender or housing counselor.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Jacksonville Housing Finance Authority Home Sweet Home DPA, explained

A short, free course on Jacksonville Housing Finance Authority Home Sweet Home DPA: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

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