{"version":"1.0","type":"card","id":"41450422-e8c3-441b-8323-b16c4082e1c5","url":"https://stacklist.com/card/41450422-e8c3-441b-8323-b16c4082e1c5","title":"Required Homebuyer Education Course","source_url":"https://keneshiahaye.com/blog/jacksonville-down-payment-assistance","note":"Most Jacksonville down payment assistance programs, including H2H and Hometown Heroes, require an approved homebuyer education course before closing, typically a short online class costing around $30.","image":{"url":"https://ucarecdn.com/0318f716-2bec-4674-bc92-ff41cad2d385/","alt":"Required Homebuyer Education Course","width":1536,"height":755},"stack":{"id":"a1ce06df-7676-4f3e-bb78-b24437add502","title":"First-Time Homebuyer Guide (Jacksonville)","url":"https://stacklist.com/c/finance/stack/a1ce06df-7676-4f3e-bb78-b24437add502"},"created_at":"2026-07-24T12:12:15.530Z","updated_at":null,"aco":{"summary":"This guide details Jacksonville's down payment assistance programs for first-time homebuyers, including the H2H program offering up to $50,000 in forgivable assistance and the Florida Hometown Heroes program providing up to $35,000 for essential workers. It covers eligibility requirements, program structures, required buyer contributions, and how these programs can be combined with VA loan benefits for minimal out-of-pocket costs.","tags":["down-payment-assistance","first-time-homebuyer","jacksonville","h2h-program","hometown-heroes","florida-real-estate","va-loan"],"key_entities":[{"name":"Keneshia Haye","type":"person","confidence":0.98},{"name":"Florida Gateway Realty","type":"organization","confidence":0.97},{"name":"H2H (Head Start to Homeownership) Program","type":"concept","confidence":0.98},{"name":"Florida Hometown Heroes Program","type":"concept","confidence":0.97},{"name":"Jacksonville","type":"location","confidence":0.99},{"name":"Duval County","type":"location","confidence":0.95},{"name":"Down Payment Assistance","type":"concept","confidence":0.97},{"name":"VA Loan","type":"concept","confidence":0.85},{"name":"HUD","type":"organization","confidence":0.88}],"classification":"tutorial","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-24T12:12:26.667Z"},"token_counts":{"approximate":2278,"cl100k":1887},"content_hash":"sha256:506c7a8c2b0129ad430bed2d404153da5f28c142dc94250ea5b08a0cdb8952b0","acp_version":"0.2","body_available":true,"body_tokens":2278,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/41450422-e8c3-441b-8323-b16c4082e1c5.json","html":"https://stacklist.com/card/41450422-e8c3-441b-8323-b16c4082e1c5","md":"/api/public/card/41450422-e8c3-441b-8323-b16c4082e1c5.md","stack_json":"/api/public/stack/a1ce06df-7676-4f3e-bb78-b24437add502.json"}}