St. Lucie County
St. Lucie County's SHIP plan allows first-time buyers from very low to moderate income up to $125,000: $100,000 for down payment and closing costs plus $25,000 for repairs, forgiven 10% a year over 10 years. Status: funding-dependent and unverified. Call St. Lucie County Community Services first.
St. Lucie County
0% deferred, 10-year, 10% forgiven annually. County site blocked automated access.
Checked against the official page, November 2026. How we fact-check
Check whether I fitThe plan splits the maximum into two parts: up to $100,000 for down payment and closing costs and up to $25,000 for repairs. The full amount is a 0% deferred loan with a 10-year term, with 10% forgiven each year. After five years, half is forgiven; after ten, none is owed. That steady schedule rewards buyers who plan to stay even a few years.
Dollar income caps and a price limit were not in the plan summary we reviewed.
These terms come from the 2025-28 plan Florida Housing approved on May 15, 2025. The County site blocked automated access, so we can't tell you if intake is open. Call before you commit to a property.
| St. Lucie County | Port St. Lucie | |
|---|---|---|
| Max | $125,000 | $103,500 |
| First-time rule | Yes | Not stated |
| Forgiveness | 10%/yr over 10 years | 10 or 30 years by income |
See the Port St. Lucie page. Hometown Heroes allows other agencies' stand-alone DPA in third position; a participating lender confirms whether the County accepts it.
Ask whether purchase assistance is funded this year; what the income limits and price cap are; how the $25,000 repair portion is used and inspected; and whether you must live in an unincorporated area or certain cities. Ask, too, whether a first mortgage from any lender works or the County keeps an approved list.
The combination of a large maximum and a short 10-year forgiveness makes St. Lucie County's plan one of the most generous on paper in this guide. It suits first-time buyers who expect to stay several years and buy a home that needs some repairs, since up to $25,000 can go to that work. Because status is unverified, line up an open backup, such as Hometown Heroes for eligible workers, while you wait.
See the St. Lucie County guide, first-time buyer steps, or check your eligibility.
Florida counties it covers: St. Lucie County.
Up to $125,000: $100,000 for down payment and closing costs plus $25,000 for repairs.
10% per year over a 10-year term.
Not verified. Call St. Lucie County Community Services before you sign a contract.
Find out if I fit this program
Our summary of the official program page as of November 2026. Funding and terms change; get the current version from the program or a participating lender. Florida Down Payment Assistance has no tie to this program.
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