Down Payment Assistance Programs in Clay County

Clay County buyers have access to multiple state-level DPA programs that can be combined for up to $45,000+ in assistance. Clay 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 Clay 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.

Clay County SHIP Program

Florida distributes SHIP funding to all 67 counties. Clay 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.

Clay County DPA Stacking Example

• Hometown Heroes: $35,000 (state)
• FL Assist: $10,000 (state)
• Clay 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.

Clay County Loan Limits

The 2026 conforming loan limit for Clay County is $832,750 for a single-family home. Loans above this amount require jumbo financing.

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Cities Served in Clay County

Fleming Island, Orange Park, Green Cove Springs, Middleburg

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Home Loans in Clay County

As a licensed mortgage lender serving all of Clay 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 Fleming Island 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 Clay 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