Walton County SHIP Program
Deferred second loan · Income limits
Down payment assistance · Walton County
Buying a home in Seaside, FL
1 county program and 26 statewide.Seaside has no program of its own, 1 across Walton County, and 26 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Seaside
No program of Seaside’s own yet
No program run for Seaside alone is listed. A home in Seaside can use Walton County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Fort Walton Beach, about 29 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WaltonAnywhere in Walton County
1 county program1 county program a Seaside homebuyer can use
Income limits in Walton County
How programs here set their income limits
$97,600
County area median income, 4 people (HUD)HUD area median income, Walton County, 4-person household (2026)
28 of the 89 programs here set their income limit as a share of Walton County’s area median income, adjusted for household size. See the published limits for Walton County
Free help nearbyFree help near Seaside
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Seaside’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Walton County SHIP Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Seaside questions
Does Seaside have its own down payment program?
No program run for Seaside alone is listed. A home in Seaside can use the 1 program that cover Walton County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Seaside?
Seaside’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Walton County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Walton County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Seaside?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Walton
Sources
Sources: agency sites (June–July 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.