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)
- 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