Down Payment Assistance Programs in Duval County

Jacksonville/Duval County offers the HeadStart to Homeownership program plus state programs for up to $85,000+ in combined DPA.

County/City Program: HeadStart to Homeownership (H2H)

• Assistance: Up to $50,000
• Type: 0% interest second or third mortgage — no monthly payments
• Income limit: Household income at or below 80% AMI
• Purchase price limit: $280,000
• First-time buyer required: Yes
• Buyer contribution: Minimum $500 toward down payment
• Requires: HUD-approved homebuyer education course; $375 inspection fee

Statewide Programs Available in Duval County

• Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers
• FL Assist: Up to $10,000 — 0% deferred second mortgage
• Salute Our Soldiers: Up to $35,000 — for veterans (Jacksonville has large military presence)

Duval County DPA Stacking Example

• Hometown Heroes: $35,000 (state)
• HeadStart to Homeownership: $50,000 (city/county)
• Total potential assistance: up to $85,000

Stacking eligibility varies. Contact me to find out what you qualify for.

Duval County Loan Limits

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

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Cities Served in Duval County

Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach

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Home Loans in Duval County

As a licensed mortgage lender serving all of Duval 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 Jacksonville 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 Duval 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