Marion County · Florida Hometown Heroes Housing Program
Marion County uses the statewide TBA floor of $148,050. With smaller loans common around Ocala, the $10,000 minimum often matters more than the cap.
Marion County Public Schools is the public school district here, and its full-time staff qualify. Public safety roles include the Marion County Sheriff's Office, Marion County Fire Rescue, Ocala Police and Ocala Fire Rescue.
If your loan in Silver Springs Shores, Marion Oaks or Belleview is $200,000 or less, you get the $10,000 minimum, not 5%, which can make a real dent in an FHA down payment and closing costs.
Bond limits are $100,800 for 1 or 2 people and $117,600 for 3 or more. If you're considering a manufactured home near Dunnellon, it may qualify with restrictions, so ask your lender early.
| Income cap, 1 or 2 people | Income cap, 3 or more | Price cap |
|---|---|---|
| $100,800 | $117,600 | $566,354 |
Marion County's Bond limits are $100,800 and $117,600 with a $566,354 price cap; TBA is $148,050. Compare with the statewide table or run the budget calculator.
Full-time healthcare workers in Ocala and licensed child care staff in the county also meet the job rule. The eligible jobs list has the full set of roles.
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.
Marion County
0% deferred, assumable by income-eligible buyer; 20-year lien up to $75k, 30-year above; forgiven at end. County site blocked automated access.
Checked against the official page, November 2026. How we fact-check
Read our full write-up Check whether I fitCity of Ocala
0% deferred, forgiven after 10 years. City site blocked automated access.
Checked against the official page, November 2026. How we fact-check
Read our full write-up Check whether I fitThe full statewide list is on every Florida program.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Marion County teach one or offer one-on-one counseling before you buy.
| Agency | Based in | How far | What they offer | Languages | How they meet |
|---|---|---|---|---|---|
| Ocala Housing Authority | Ocala | 6 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Homes In Partnership, Inc. | Eustis | 34 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| University of Florida/Florida Cooperative Extension | Gainesville | 35 mi | homebuyer education class, pre-purchase counseling | English | Phone |
| Habitat for Humanity Seminole County Apopka | Altamonte Springs | 57 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| Habitat for Humanity Greater Orlando and Osceola County Inc | Orlando | 58 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone |
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
Possibly. Manufactured homes are eligible with restrictions, and the debt-to-income limit is 45%. Ask your lender.
The $10,000 minimum, since loans of $200,000 or less get $10,000.
Marion County uses $148,050 under TBA, or $100,800 and $117,600 under Bond.
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