Jacksonville DPA Pilot Program (120% AMI)

Program Overview

The Down-Payment Assistance Home Ownership Pilot Program is a locally funded City initiative. It is specifically designed to help buyers who may earn too much for traditional HUD-funded assistance but still face barriers due to high rental costs and down payment requirements.

This program offers up to 75% of your required down payment/closing costs (capped at $25,000) to help you bridge the gap to homeownership.

Key Financial Terms

Max Assistance: Up to $25,000 (Max 75% of required costs)
Repayment (Sold < 36 months): Must be repaid in full to the City.
Repayment (Sold > 36 months): 10% of proceeds (after costs) is paid back to the fund.

Strict Eligibility Requirements

Residency Rule: Must prove Duval County residency for the previous 24 consecutive months.
First-Time Homeowner: Must not have owned a home within the previous 3 years.
Occupancy: Must occupy as primary residence.
Contribution: Minimum $500 down payment + pay for home inspection.

2025 Income Limits (120% AMI - Effective April 1)

This program allows for higher household income compared to the H2H program.

Household Size	Max Income (120% AMI)
1 Person	$86,160
2 People	$98,400
3 People	$110,760
4 People	$123,000
5 People	$132,840
6 People	$142,680
7 People	$152,520
8 People	$162,360

Property & Buying Rules

Eligible Types: Single-family (new or existing), townhomes, patio homes, condos.
Max Purchase Price: $335,000.
Location: Consolidated City of Jacksonville only.
Education: Mandatory homebuyer education course required.

Do You Qualify?

Have you lived in Duval County for 24 months?

Is your income within the 120% AMI limits?

Are you a first-time homebuyer?

Check Eligibility

Income lower than these limits?