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Housing Authority of Jackson County HCV Homeownership Program

Housing Authority of Jackson County (HAJC) · Pascagoula, Mississippi

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What is Housing Authority of Jackson County HCV Homeownership Program?

Housing Authority of Jackson County HCV Homeownership Program is down payment assistance for homebuyers in Pascagoula, Mississippi, administered by Housing Authority of Jackson County (HAJC).

  • HAJC converts existing Housing Choice Vouchers into monthly mortgage payment assistance for qualifying first-time homebuyers. Program is voluntary and restricted to current HCV holders who are: (1) current or former graduates of HUD Family Self-Sufficiency program, OR (2) Disabled households, OR (3) Elderly households. Participant must have held voucher for at least one year, be in good standing (no lease violations, no monies owed to any HA, no tenant-caused HQS violations in past year), and have sufficient income/employment (exceptions for elderly/disability). Requires orientation (1-2 hours), housing counseling through ACCESS Housing Resource Center, and financial/homeownership education (online, fee-based). Participant must qualify for a mortgage and purchase a home before HAJC begins subsidy payments. Page last updated August 2025.
  • Monthly mortgage payment assistance via HCV conversion; housing counseling provided by ACCESS Housing Resource Center; program page updated August 2025 confirming active status.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from HUD Housing Choice Voucher program (24 CFR Part 982 Subpart M).

Do you have to pay it back?

Housing Authority of Jackson County HCV Homeownership Program is down payment assistance and is repaid under the terms set by Housing Authority of Jackson County (HAJC).

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Housing Authority of Jackson County HCV Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: Credit score above 650 typically required (set by lender guidelines per HAJC program description); DTI must meet lender guidelines
  • A completed homebuyer education course, through ACCESS Housing Resource Center (in collaboration with HAJC); Online homeownership education courses (fee-based, paid by participant)
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. Restricted to: current/former HUD FSS program participants, OR Disabled voucher holders, OR Elderly voucher holders. Must have held HCV for at least 1 year. Must be in good standing: no lease violations in past year, no monies owed to any housing authority, no tenant-caused HQS violations in past year. Must complete orientation (1-2 hours). Housing counseling required via ACCESS Housing Resource Center. Financial/homeownership education required (online courses, participant pays fees). Must qualify for a mortgage (typically credit score 650+, DTI per lender guidelines). Must purchase a home before subsidy payments begin.

The program excludes

  • Manufactured homes

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Housing Authority of Jackson County HCV Homeownership Program sets its income limit as follows: Must have sufficient minimum income and employment; income eligibility established via existing HCV enrollment. Exceptions apply for elderly/disability households.

  • The limit applies to total household income, not only the borrower’s.
  • 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?

Housing Authority of Jackson County HCV Homeownership Program caps the purchase price as follows: Not published; must meet lender qualification and HQS inspection.

  • Eligible property types include single_family.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Housing Authority of Jackson County HCV Homeownership Program is a federal program, so it is not limited to Mississippi.

How do you apply?

Applications for Housing Authority of Jackson County HCV Homeownership Program go through Housing Authority of Jackson County (HAJC), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through ACCESS Housing Resource Center (in collaboration with HAJC); Online homeownership education courses (fee-based, paid by participant).

  2. Contact Housing Authority of Jackson County (HAJC) to reserve funds

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

  3. 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.

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