Duval County · Florida Hometown Heroes Housing Program
Buying a first home in Duval County, Florida
Jacksonville buyers get a higher Bond price limit than most of Florida: $607,645, the same as Clay, Nassau, St. Johns and Baker.
SeatJacksonville
Residents1,062,963
Income cap, 3+$125,005
Price cap$607,645
The Duval picture
Duval County Public Schools, the Jacksonville Sheriff's Office and the Jacksonville Fire and Rescue Department employ people in roles the program names. Jacksonville Beach Police is on the list too.
Duval's TBA income limit is $163,050 for any household size. Under Bond, the limits are $108,700 for 1 or 2 people and $125,005 for 3 or more, and they count every adult who will live in the home. A buyer near Atlantic Beach or Neptune Beach with a larger household should compare both options.
Buying a modest home out toward Baldwin? Loans of $200,000 or less still get the $10,000 minimum, which can cover much of an FHA down payment.
Caps that apply in Duval County
Income cap, 1 or 2 people
Income cap, 3 or more
Price cap
$108,700
$125,005
$607,645
Duval's Bond limits are $108,700 and $125,005 with a $607,645 price cap; under TBA the limit is $163,050. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
Duval County Public Schools
Jacksonville Sheriff's Office
Jacksonville Fire and Rescue Department
Jacksonville Beach Police Department
Nurses, CNAs and techs at Jacksonville hospitals and clinics qualify on the same footing as school and public safety staff. The eligible jobs list has the full set of roles.
Local money in Duval County
County, city and employer programs here can sometimes sit behind the state loan, or replace it. Each has its own rules about combining, and a loan officer sorts out which ones fit together.
County page says first-time buyers have two DPA options (Home Sweet Home and 'Affordable Income Subsidy Grant'). LHAP 2025-28 strategy 'Purchase Assistance HFA': 0% deferred, 30-year, repaid on sale or payoff of first mortgage. Lock rate 7.125% on eHousingPlus 11/6/2026.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Duval County teach one or offer one-on-one counseling before you buy.
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
Which class counts for you? Your loan officer knows which courses each Florida program accepts and can start your pre-approval in the same conversation. Start with the 2-minute check
Duval County, asked and answered
What's the Bond purchase price limit in Jacksonville?
$607,645 outside targeted areas, higher than the $566,354 used in most counties.
Does JSO count as an eligible employer?
Yes. Full-time employees of a Florida law enforcement agency, including sworn officers and dispatchers, are eligible.
What if my loan is under $200,000?
You get the $10,000 minimum, even though 5% would be less.
Hi, I'm Lisa. See if you're eligible for down payment assistance in Florida. I'll walk you through six quick questions, and you'll see your result before you leave the page.
