Down Payment Assistance Programs in Northeast Florida

Real Estate Agent with All Real Estate Options

Down Payment Assistance Programs in Northeast Florida

This represents buying a home with a key in the door

Sometimes that can seem a little overwhelming or you might think you need a ton of money to buy a home. Not so at all. Right now, there are around 5 different programs. I won’t go through all of them in this blog, but, check this link with the a flyer of the various progra

Down Payment Assistance Programs

 Some can be in the form of a 2nd mortgage. Some are forgiven and some are not. Forgiven? You’re wondering if you have to give some kind of confession aren’t you? Nope, no worries you’re good, that’s not the kind of forgiveness I’m talking about. 🤣 🤣

 Forgiven means that after a certain set are terms or rules are met, you no longer owe the down payment assistance portion. So for example, one program is 3 or 4% of the purchase price that will go towards your down payment. After 5 years you won’t owe that 3-4% anymore. If you sell before 5 years, you will have to pay it back. Some can be a fully amortized 2nd mortgage or never forgiven and will have to be paid off when you sell your house. Some of the funds can be used towards your closing costs as well. Or you can ask for the seller to contribute towards your closing costs.

 There are other restrictions like what type of loan you can use, income and housing price, which vary based on which program you use.

Normally, I would point you in the direction of your bank, but chances are they don’t work with down payment assistance programs or if they do, they only utilize one. So I am going to recommend you give Lisa Daniels a call. She is the down payment assistance expert and knows multiple programs that can work for your situation. Her contact info is:


Lisa Daniels Academy Mortgage: 904-219-1417 Don't forget to tell her Pam Graham sent you!


Thank you for making your way here! I give away free guides that talk about the home buying and selling process. Just look below and you will find them listed there.


📕 Free Guides on the Home Buying & Selling process: 📕


The Ultimate Guide for First-Time Homebuyers

Does Owning A Home Make More Sense Than Renting?

Beware of the Pitfalls of Attending Open Houses

The Ultimate Relocation Guide

The Ultimate Home Buyer's Guide

Should You Hire An Agent When Buying New Construction?



The Ultimate Home Seller's Guide

Preparing Your Home For Sale

Selling A House During A Divorce


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Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.


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Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

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