City of Jacksonville


Single Family Program
Home Sweet Home 


If you’ve ever dreamed about home ownership but felt that buying a home was a little beyond your reach, the Jacksonville Housing Finance Authority ("JHFA") may make your dream a reality with their First-Time Homebuyer Program.  The Jacksonville Housing Finance Authority's Single-Family Loan Program offers a 30-year, fixed-rate mortgage for first-time homebuyers. The Home Sweet Home Program is a continuously funding program and never "runs out" of money.  

Eligible Area 

Duval County, FL

Eligibility Criteria*

1. Buyers and their spouses (occupant and non-occupant) must be first-time buyers and must be able to permanently reside in the United States.  
2. Buyers must live in the property they purchase as their principal residence. 
3. All buyers much have a minumum FICO score of 640*. 
4. All applicants must be considered irrespective of age, race, color, religion, national origin, sex, marital status, military status, or physical handicap. 

*See loan officer for additional information -  other requirements.

Down Payment Assistance 

Assistance is offered as a 30 year deferred, 0.00% second mortgage, and up to $20,000 that must be used for down payment and closing costs.  The second mortgage is never forgiven and must be repaid when the first mortgage is refinanced, sale, short-sale, foreclosure, or it the borrower ceases to live in the property.  

Income Criteria 

Household income is considered for ALL borrower(s), spouses, and anyone 18 years or older. 

FHA, USDA-RD, and VA Loans: 

One to two person household $78,865
Three or more person household $90,694

Maximum Sales Price

New or existing, one to four units, detached or attached, condos, or townhomes may not exceed $299,000.  This must include everything paid by the buyer or on the buyer's behalf.  

Click here for more information and for a list of participating loan officers for pre-approval for a mortgage through the Duval County Home Sweet Home Program.  

Lenders wishing to participate in the Home Sweet Home program may contact the Program Management Specialists below for more information: 

Sue Denihan 

Rachel Driver