DeSoto County SHIP Purchase Assistance
Deferred second loan · Income limits
Down payment assistance · DeSoto County
Buying a home in Southeast Arcadia, FL
1 county program and 26 statewide.Southeast Arcadia has no program of its own, 1 across DeSoto County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Southeast Arcadia
No program of Southeast Arcadia’s own yet
No program run for Southeast Arcadia alone is listed. A home in Southeast Arcadia can use DeSoto County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Punta Gorda, about 21 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DeSotoAnywhere in DeSoto County
1 county program1 county program a Southeast Arcadia homebuyer can use
The Southeast Arcadia marketThe Southeast Arcadia housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Southeast Arcadia
- 55.6% single-familysingle-family
- 3% townhousetownhouse
- 8.5% 2–4 units2–4 units
- 5% 5+ unitscondo & apartment buildings (5+ units)
- 27.8% mobile & othermobile home & other
Condos count. Southeast Arcadia’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Southeast Arcadia’s homes were built
pre-19401970s2020+
39.3%
of Southeast Arcadia homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$65,800
County area median income, 4 people (HUD)HUD area median income, DeSoto County, 4-person household (2026)
$60,169
Southeast Arcadia median household incomeMedian household income in Southeast Arcadia (Census, 2024)
28 of the 89 programs here set their income limit as a share of DeSoto County’s area median income, adjusted for household size. See the published limits for DeSoto County
Free help nearbyFree help near Southeast Arcadia
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Southeast Arcadia’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.DeSoto County SHIP Purchase Assistance 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
Southeast Arcadia questions
Does Southeast Arcadia have its own down payment program?
No program run for Southeast Arcadia alone is listed. A home in Southeast Arcadia can use the 1 program that cover DeSoto County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Southeast Arcadia?
Southeast Arcadia’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 DeSoto County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for DeSoto 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 Southeast Arcadia?
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 DeSoto
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.