Down Payment Assistance Programs in Baker County

Baker County buyers have access to multiple state-level DPA programs that can be combined for up to $45,000+ in assistance. Baker County also receives SHIP (State Housing Initiatives Partnership) funding which provides additional local assistance — contact me for current availability and amounts.

Statewide Programs Available in Baker County

• Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. Available to teachers, nurses, first responders, military, childcare workers, and 50+ eligible professions.
• FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments while you live in the home.
• FL HLP: Up to $10,000 — 3% interest, 15-year repayment (~$69/month).
• Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans do not need to be first-time buyers.

Baker County SHIP Program

Florida distributes SHIP funding to all 67 counties. Baker County administers its own SHIP program which can provide additional down payment and closing cost assistance. SHIP amounts and availability vary by funding cycle — I track which programs are currently funded and accepting applications.

Baker County DPA Stacking Example

• Hometown Heroes: $35,000 (state)
• FL Assist: $10,000 (state)
• Baker County SHIP: varies (county)
• Total potential: $45,000+ depending on SHIP availability

I specialize in finding and stacking every DPA program you qualify for. Contact me to get a personalized breakdown for your situation.

Baker County Loan Limits

The 2026 conforming loan limit for Baker County is $832,750 for a single-family home. Loans above this amount require jumbo financing, which I also offer through select wholesale lenders.

---

Cities Served in Baker County

Macclenny, Glen St. Mary

---

Home Loans in Baker County

As a licensed mortgage lender serving all of Baker County in the Northeast Florida region, I help buyers and homeowners find the right loan at the best rate. Whether you’re purchasing your first home in Macclenny or refinancing an existing property, I shop dozens of wholesale lenders to get you the most competitive terms available.

Loan Programs Available

• Conventional — As low as 3% down for qualified buyers
• FHA — 3.5% down, credit scores from 580
• VA — 0% down for eligible veterans and active-duty
• USDA — 0% down in eligible rural areas of Baker County
• Foreign National — Financing for non-US citizens
• DSCR — Investment property loans based on rental income

Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender