NHF Sapphire 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.

How much assistance does it provide?

NHF Sapphire Program provides assistance worth 3% of the purchase price, as set by the program.

• Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

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 buyers who will live in the home as their primary residence.

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 buyers 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.

1. 1

   Contact the administering agency to reserve funds

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

2. 2

   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.