Homeownership Down Payment Assistance

The Homeownership Down Payment Assistance Program focuses on qualified families that fall below 80% of the area median income but are capable of qualifying and repaying a first mortgage.

The loan is a 0% interest deferred payment loan, due in full either at the end of the first mortgage term, upon resale, or conversion to a rental unit.

Download an application: Homeownership Down Payment Assistance Application (PDF)

Eligibility Requirements


Property must:

  • Be located in the Jacksonville City limits
  • Be new construction only
  • Meet standards of City's minimum housing code (pass a city inspection)
  • Be a single family, condo, townhouse, or FHA approved modular home
  • Be maintained as the buyer's principal residence

Applicant must:

  • Not currently own a home
  • Have net worth not over $15,000
  • Have a good credit history for the past 12 months
  • Have at least one year of stable employment or income
  • Complete Home Buyers Education Course
  • Meet HUD household income limits
  • HUD-logo