Buyer must be a first-time home buyer unless an eligible veteran exemption applies. Borrower(s) must not exceed the maximum Income Limit requirements, adjusted for household size, for the county in which the property is being purchased. All loans must adhere to a 60-day delivery timeline. Income limits in the Coverage Area section is the TBA FL First, HFA Preferred and HFA Advantage limits. Lenders must verify in the program guides if borrowers income does qualify based on the actual FHFC 1st Mortgage program selected. Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Liberty, Taylor, Wakulla and Washington counties may not be used in conjunction with TBA programs.