Down Payment Assistance Programs for Jacksonville, FL Duval County

Real Estate Agent with Watson Realty Corp SL3137324

Saving money for a down payment to purchase a home in Jacksonville, FL is a hardship for many would be home buyers, due to skyrocketing rental rates. Fortunately, there are many options available to assist future home buyers in the form of down payment assistance programs.  For most of these programs you must be a first time homebuyer. To be considered a first time homebuyer, you must not have had any interest in a property within the past three years. Below, I have compiled a list of the 3 most popular programs along with the links to each one of them.

The Hardest Hit Fund (HHF) Down Payment Assistance (DPA) Program provides up $15,000 in down payment, closing cost and pre-paid assistance towards the purchase of a new or pre-existing home.



 The $15,000 in down payment assistance is forgiven at the rate of 20% per year, which means after you have remained in the home for 5 years the $15000.00 in down payment assistance will be forgiven.  This program comes with a 4.75% fixed interest rate for FHA financing, 4.5% for Florida Military Heroes. This 30 year, fixed first mortgage loan program is designed to help both veterans and active duty military personnel with obtaining affordable housing.


 A family of 3 may earn up to $88,620 in total household income in Jacksonville, FL and still qualify for this program.


You must have at least a middle credit score of 640 or more and complete a HUD approved 8 hours course in order to qualify.

Here is a link to the Florida Bond programs website.




The Head start to Homeownership or H2H program serves the Duval county area in Jacksonville, FL. This program also provides up to $15000.00 in down payment assistance for first time homebuyers. The maximum allowed household income for a household size of three in Duval County is $45,600.00.

Participants must be credit worthy, pay a minimum of $500 towards their purchase in addition to the $375 home inspection fee to the H2H inspector, and attend an 8 hour HUD approved course.

All homes being sold under the Head Start to HOME Ownership Program must be inspected to ensure compliance with Section 8 Housing Quality Standards (HQS) prior to closing. The property must be considered structurally sound, so there is no threat to the health and safety of those who occupy the home.

Please use this link to provide you with more information on the H2H down payment assistance program.


The Neighborhood Assistance Corporation of America or NACA program is program for homebuyers that do not currently own a home. This program offers:

No down payment,

No closing costs

No credit score requirement

Fixed interest rates

For more information regarding the NACA program please use this link.



I hope that this post helps you deteremine which program is best for you. If you should need my assistance further, please contact me through my website  or email me