Jacksonville Housing Finance Authority (JHFA) – MCC Program

Special Alert

Maximum Purchase Price


Contact Info:

https://www.coj.net/departments/neighborhoods/housing-and-community-development/jacksonville-housing-finance-authority/single-family-programs 214 North 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 CHOICEHome, Fannie Mae, Fannie Mae HFA Preferred, FHA 203(k), VA

Homeowners Education Class:


Is Forgivable?


1 County: Duval Program is limited to Duval County.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from Agency-defined 2022 guidelines Income used for credit qualifying a borrower is different from income used for program purposes. Follow the requirements listed in UNDERWRITERS MCC COMPLIANCE INCOME CALCULATION GUIDE found in the Guidelines. The program requires that the income of spouses regardless of where they live and of all other persons residing in the household (related or unrelated) must be included in the calculation of income for program purposes.

Maximum Assistance

Education Requirements Info:

Approved Face-to-Face education providers: HUD approved education providers. https://answers.hud.gov/housingcounseling/s/?language=en_US

Eligible Property Types:

Single Family Detached Condo Townhome/PUD

Income By Household Size:

HH1-2HH3-8 $86,000$99,475 *Income limits as of 05/02/2023

Qualifying Ratios:

Determined by first mortgage product or lender.
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