Duval County Official Programs
Homeownership Portal
Jacksonville home
City of Jacksonville • 80% AMI Limit

Head Start to HOME Ownership (H2H) Program

Up to $25,000 in 0% interest assistance for down payment and closing costs.

Verify H2H Eligibility

Program Overview

The Head Start to HOME Ownership (H2H) program is the City of Jacksonville’s core first-time homebuyer assistance initiative. It provides significant financial help to low-to-moderate income families (up to 80% AMI) looking to purchase a home in Duval County.

Assistance is delivered as a 0% interest second or third mortgage. This loan helps cover down payment, closing costs, and/or principal reduction.

Key Financial Terms

  • Max Assistance: Up to $25,000
  • Interest Rate: 0% (Interest-Free)
  • Term: 10 Years
  • Repayment: Principal balance reduces annually. If sold or vacated before 10 years, prorated balance is due.

Eligibility Requirements

  • First-Time Buyer: Must not currently own a home.
  • Occupancy: Must occupy the home as your primary residence.
  • Minimum Contribution: Buyer must contribute at least $500.
  • Income: Household income must not exceed 80% of the area median income (limits listed below).

2025 Income Limits (Effective April 1)

Household Size Max Income (80% AMI)
1 Person$57,400
2 People$65,600
3 People$73,800
4 People$82,000
5 People$88,600
6 People$95,150
7 People$101,700
8 People$108,250

*Limits subject to annual HUD adjustments.

Property Guidelines

  • Eligible Types: Single-family homes (new or existing), townhomes, patio homes, condos.
  • Ineligible: Mobile or manufactured homes.
  • Location: Must be within consolidated City of Jacksonville (Duval County).
  • Max Price: $304,000 (Subject to HUD annual updates).
  • Condition: Must pass Section 8 Housing Quality Standards (HQS) inspection.

Important "Deal Killers"

1. Do NOT sign a contract first: You must start with an approved lender and submit the H2H application before signing a sales contract.

2. Repairs: Seller must complete any repairs identified in the HQS inspection prior to closing.

Ready to Apply?

1

Verify your income is below the 80% AMI limits.

2

Confirm you have $500 for a down payment.

3

Connect with an approved lender.

Start Qualification

Need a higher income limit?

View 120% AMI Pilot Program →