Alachua County SHIP Down Payment Assistance
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Alachua County
Buying a home in Waldo, FL
1 county program and 26 statewide.Waldo has no program of its own, 1 across Alachua 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 Waldo
No program of Waldo’s own yet
No program run for Waldo alone is listed. A home in Waldo can use Alachua County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Gainesville, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AlachuaAnywhere in Alachua County
1 county program1 county program a Waldo homebuyer can use
1 more program is for homes in Gainesville. See them 1 program in neighboring cities — for homes inside those cities, not Waldo
- Gainesville — City of Gainesville Down Payment Assistance Program (SHIP)
The Waldo marketThe Waldo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waldo
- 66.2% single-familysingle-family
- 0.4% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 6.4% 5+ unitscondo & apartment buildings (5+ units)
- 21.4% mobile & othermobile home & other
Condos count. Waldo’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waldo’s homes were built
pre-19401970s2020+
66.5%
of Waldo 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.
$99,100
County area median income, 4 people (HUD)HUD area median income, Alachua County, 4-person household (2026)
$29,894
Waldo median household incomeMedian household income in Waldo (Census, 2024)
28 of the 89 programs here set their income limit as a share of Alachua County’s area median income, adjusted for household size. See the published limits for Alachua County
Free help nearbyFree help near Waldo
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Waldo’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Alachua County SHIP Down Payment 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
Waldo questions
Does Waldo have its own down payment program?
No program run for Waldo alone is listed. A home in Waldo can use the 1 program that cover Alachua County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waldo?
Waldo’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 Alachua County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Alachua 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 Waldo?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Waldo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32694
Nearby in Alachua
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.