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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.

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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 640 credit score
  • A completed homebuyer education course
  • A home in Duval County

It doesn’t cover

  • Households above 115% of area median income
  • Homes outside Duval County

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

115% 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

Duval County’s homes

  • 59% single-family
  • 5.4% townhouse
  • 7.4% 2–4 units
  • 24.6% 5+ units
  • 3.6% mobile & other

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

$303,500

Duval County median home value

39.9%

built before 1980

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

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 minJacksonville Housing Finance Authority Home Sweet Home DPA, explained

Questions about this program

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 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 640. A homebuyer education course is required.

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 homebuyers 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. 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 Duval County homebuyers

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

All 85 programs for Duval County

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