{"version":"1.0","type":"card","id":"89342954-031c-44be-8a94-b4ca035b6586","url":"https://stacklist.com/card/89342954-031c-44be-8a94-b4ca035b6586","title":"St. Johns County SHIP Down Payment Assistance","source_url":"https://www.sjcfl.us/ship-down-payment-assistance/","note":"The SHIP program offers down payment help for first time buyers purchasing a primary residence in St. Johns County, though the purchase price cannot exceed $400,000 and applicants must have lived or worked locally for at least 12 months.\n","image":{"url":"https://ucarecdn.com/3f43a46e-25e9-4dce-b379-4b804cc1e778/","alt":"St. Johns County SHIP Down Payment Assistance","width":600,"height":400},"stack":{"id":"75894f1d-8446-4260-9de4-edabb0a88d3d","title":"First-Time Homebuyer Guide (St. Johns County)","url":"https://stacklist.com/c/finance/stack/75894f1d-8446-4260-9de4-edabb0a88d3d"},"created_at":"2026-07-24T12:40:54.874Z","updated_at":null,"aco":{"summary":"St. Johns County's SHIP Down Payment Assistance Program offers up to $100,000 in deferred loan assistance to eligible first-time homebuyers earning up to 120% AMI who live or work in the county. The program provides a 15-year, 0% interest second mortgage that is forgiven on a prorated basis starting in year six, subject to homestead and residency requirements.","tags":["down-payment-assistance","ship","first-time-homebuyer","st-johns-county","housing-program","income-eligibility","deferred-loan"],"key_entities":[{"name":"St. Johns County Housing Department","type":"organization","confidence":0.92},{"name":"State Housing Initiatives Partnership (SHIP)","type":"concept","confidence":0.98},{"name":"St. Johns County","type":"location","confidence":0.99},{"name":"Florida Housing Finance Corporation","type":"organization","confidence":0.95},{"name":"Down Payment Assistance Program","type":"concept","confidence":0.97},{"name":"First-Time Homebuyer","type":"concept","confidence":0.93},{"name":"SJC Tax Collector","type":"organization","confidence":0.85},{"name":"Area Median Income (AMI)","type":"concept","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-24T12:41:05.640Z"},"token_counts":{"approximate":1789,"cl100k":1436},"content_hash":"sha256:959ddfdc6726e5c2ac384163610fcec20909f662faeedb355577f980575fb21d","acp_version":"0.2","body_available":true,"body_tokens":1789,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/89342954-031c-44be-8a94-b4ca035b6586.json","html":"https://stacklist.com/card/89342954-031c-44be-8a94-b4ca035b6586","md":"/api/public/card/89342954-031c-44be-8a94-b4ca035b6586.md","stack_json":"/api/public/stack/75894f1d-8446-4260-9de4-edabb0a88d3d.json"}}