Duval County Official Programs
Homeownership Portal
Jacksonville FL residential street
Jacksonville Housing Finance Authority

JHFA "Home Sweet Home" Program

First-time buyers in Duval County can access up to $15,000 in deferred down payment assistance.

Check JHFA Eligibility

Program Overview

The "Home Sweet Home" program is a first mortgage program administered by the Jacksonville Housing Finance Authority (JHFA). It is designed to make homeownership affordable for first-time buyers in Duval County by offering a deferred second mortgage for down payment assistance.

Loan Structure & Repayment

  • Amount: Up to $15,000.
  • Type: 30-year deferred, 0.00% interest second mortgage.
  • Repayment: The loan is never forgiven. It must be repaid in full when the first mortgage is refinanced, satisfied, or if the home is sold/transferred.

Eligibility Requirements

  • First-Time Buyers: Borrowers and spouses must not have owned a home in the last 3 years (exceptions apply for Targeted Areas).
  • Residency: Must occupy the home as a principal residence within 60 days of closing.
  • Credit Score: Minimum mid-FICO score of 640 is typically required.
  • Education: Must complete a program-approved pre-purchase homebuyer education course.

Income Limits (Household Income)

Income limits vary based on whether the property is in a "Non-Targeted" or "Targeted" area.

Household Size Non-Targeted Area Targeted Area
1-2 Persons $108,599 $123,000
3+ Persons $124,889 $143,500

Property Guidelines

  • Max Sales Price: $350,000.
  • Property Types: New or existing 1-4 unit properties, detached or attached, condos, townhomes.
  • Rental Restrictions: The property may never be rented.

Bonus Benefit: Mortgage Credit Certificate (MCC)

The JHFA also offers an optional Mortgage Credit Certificate (MCC). This is a federal tax credit that can save you thousands of dollars over the life of your loan by reducing your federal income tax liability. Ask your lender about combining this with the Home Sweet Home program.

Program Highlights

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Higher purchase price limit ($350k)

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Higher income limits than H2H

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Pairs with MCC Tax Credit

Apply Now

Need forgiveness options?

Check H2H Program instead →