City of Jacksonville Headstart to HOME Ownership (H2H) Program

Special Alert

Maximum Purchase Price


Contact Info:

https://www.coj.net/departments/planning-and-development/housing-and-community-development/housing-services.aspx 214 N. Hogan Street, 7th Floor, Jacksonville, FL 32202 904-255-8200


Credit Score Requirements

Based on 1st mortgage requirements.

Deferred Payments?


Accepted First Mortgage Type:

Freddie Mac, Freddie Mac HFA Advantage, Freddie Mac Home Possible, Fannie Mae, Fannie Mae HFA Preferred, Fannie Mae HomeReady, FHA 203(b), VA, USDA / RD

Homeowners Education Class:


Is Forgivable?

Forgiveness terms are based on assistance amounts received: $5,001 – $14,999 (5 years); $15,000 – $40,000 (10 years); $40,001 – $50,000 (15 years). NOTE: Our program model will reflect the highest terms. In the event the borrower either transfers title to the property or moves from the premises prior to the expiration of the City’s mortgage term, the principal balance of the City’s mortgage shall immediately become due.


1 County: Duvall Must be located within the consolidated City of Jacksonville.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from HUD 2023 80% AMI guidelines Maximum Gross Income Limit: 80% AMI. (The gross income limits are adjusted annually by HUD)

Maximum Assistance

$50,000 Up to $50,000 to provide down payment and closing costs assistance to eligible individuals or families who are interested in purchasing a home.

Education Requirements Info:

Must attend a required eight-hour homeownership training class at one of the below listed agencies: • Family Foundation 396-4846 • Jacksonville Urban League 723-4007 • GreenPath Financial Wellness 888-860-4167 • Jacksonville Area Legal Aid 356-8371 • Wealth Watchers, Inc. 265-4736 **Counseling agency information is subject to periodic updates

Eligible Property Types:

Single Family Detached Condo Co-Op Townhome/PUD

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $49,600$56,650$63,750$70,800$76,500$82,150$87,800$93,500 *Income limits as of 06/05/2023

Qualifying Ratios:

Determined by first mortgage product or lender.
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