NHF Sapphire Program
NHF Sapphire Program is a grant for homebuyers in Florida.
The program asks for
- The home is occupied as a primary residence
- A minimum 640 credit score
- A home in Florida
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Where it applies
Florida’s homesFlorida’s homes, and the ones this program accepts
- 54.7% single-familysingle-family
- 6.7% townhousetownhouse
- 5.9% 2–4 units2–4 units
- 24.5% 5+ unitscondo & apartment buildings (5+ units)
- 8.2% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$359,000
Florida median home value
34%
built before 1980
U.S. Census Bureau, ACS 2024 5-year.
How to apply
How to applyTwo steps, in this order
Contact the administering agency to reserve funds
Funds are reserved with the provider and are subject to availability.
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.
Questions about this program
What is NHF Sapphire Program?
NHF Sapphire Program is a grant for homebuyers in Florida. NHF Sapphire is a fully forgivable grant of 3% or 5% of first mortgage amount. No repayment required. Available statewide through participating lenders. Min 640 credit score. Funding comes from Nonprofit.
Do you have to pay it back?
NHF Sapphire Program is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
NHF Sapphire Program is open to homebuyers who will live in the home as their primary residence. The program lists a minimum credit score of 640.
What are the income limits?
NHF Sapphire Program sets its income limit as follows: Flexible income limits. 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?
NHF Sapphire Program can be used for Single Family, Condo, and Townhouse.
Where does it apply?
NHF Sapphire Program serves homebuyers purchasing anywhere in Florida.
How do you apply?
Applications for NHF Sapphire Program 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 Florida homebuyersOther programs open to Florida homebuyers
- Florida Hometown HeroesUp to $35,000
- Salute Our Soldiers Military Loan ProgramUp to $35,000
- Florida Assist (FL Assist)Up to $10,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 88 programs for FloridaProgram terms are set by the administering agency and can change; confirm on the official site before you apply.