Jackson County SHIP Purchase Assistance Program

Special Alert

Per Program Provider: We are currently only accepting applications for households that qualify in the “very low” income category. This is to ensure we are in compliance.

Maximum Purchase Price


Contact Info:

https://jacksoncountyfl.gov/services/community-development/housing-grants-office/ 2864 Madison Street, Marianna, FL 32448 850-482-9083


Buyer must be a first-time home buyer. Any applicant who is delinquent on child support or alimony payment, in violation of any valid court order or judgement will be denied SHIP assistance. Applicant who receive awards are not eligible to apply for any additional SHIP assistance strategies. except SHIP approved disaster assistance. Anyone who previously received purchase or rehabilitation assistance is ineligible to apply.

Credit Score Requirements

Based on 1st mortgage requirements.

Deferred Payments?

Yes, for 10 years

Accepted First Mortgage Type:

Freddie Mac, Freddie Mac HFA Advantage, Freddie Mac Home Possible, Fannie Mae, Fannie Mae HFA Preferred, Fannie Mae HomeReady, VA, USDA / RD

Homeowners Education Class:


Is Forgivable?

Ten Percent (10%) of the mortgage forgiven each year over the ten (10) year period.


1 County: Jackson Program is available countywide – Jackson County, FL

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from HUD 2023 120% AMI guidelines Income categories served: Very Low income (50% AMI), Low income (80% AMI) and Moderate income (120% AMI). NOTE: Per Program Provider: We are currently only accepting applications for households that qualify in the “very low” income category, therefore, this is the income category that is reflected in our system for this program

Maximum Assistance

$25,000 Assistance Amount varies and is based on income categories served – Up to: $25,000 for Very Low income (50% AMI) $20,000 for Low income (80% AMI) $15,000 for Moderate income (120% AMI)

Education Requirements Info:

Pre-registration is required for the First-Time Homebuyers course. NOTE: If you are applying jointly with someone for SHIP funds both applicants must attend the class. Contact one of the following to register: Judy Corbus, Holmes County Extension jlcorbus@ufl.edu 850-547-1108 OR Terri Keith, Jackson County Extension teri2003@ufl.edu 850-482-9620

Eligible Property Types:

Single Family Detached Manufactured Home Modular Home Mobile Home

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $54,000$61,680$69,360$77,040$83,280$89,400$95,640$101,760 *Income limits as of 05/31/2023

Qualifying Ratios:

Determined by first mortgage product or lender.
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