HANDS of Central Florida - Polk County SHIP Purchase Assistance
Deferred second loan · Income limits
Down payment assistance · Polk County
Buying a home in Winston, FL
2 county programs and 26 statewide.Winston has no program of its own, 2 across Polk 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 Winston
No program of Winston’s own yet
No program run for Winston alone is listed. A home in Winston can use Polk County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Lakeland, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in PolkAnywhere in Polk County
2 county programs2 county programs a Winston homebuyer can use
2 more programs are for homes in Lakeland and Winter Haven. See them 2 programs in neighboring cities — for homes inside those cities, not Winston
- Lakeland — City of Lakeland First-Time Homebuyers Program
- Winter Haven — City of Winter Haven SHIP Purchase Assistance
Income limits in Polk County
How programs here set their income limits
$83,900
County area median income, 4 people (HUD)HUD area median income, Polk County, 4-person household (2026)
29 of the 90 programs here set their income limit as a share of Polk County’s area median income, adjusted for household size. See the published limits for Polk County
Free help nearbyFree help near Winston
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Winston questions
Does Winston have its own down payment program?
No program run for Winston alone is listed. A home in Winston can use the 2 programs that cover Polk County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Winston?
All 2 of Winston’s local and county programs accept 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 Polk County?
Each program sets its own. 29 of the programs here set theirs as a share of HUD’s area median income for Polk 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 Winston?
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 Polk
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.