{"version":"1.0","type":"card","id":"90bb2c50-99cf-448f-92c5-76a5093071ad","url":"https://stacklist.com/card/90bb2c50-99cf-448f-92c5-76a5093071ad","title":"Income Limits and Repairs: The Fine Print","source_url":"https://www.sjcfl.us/ship-down-payment-assistance/","note":"SHIP funds in St. Johns County can also help cover necessary repairs to major systems like roofing, plumbing, and HVAC at the time of purchase, though this doesn't apply to condos, duplexes, or townhomes.","image":{"url":"https://ucarecdn.com/bac2bc99-4f0e-4e32-a511-90b3035de26d/","alt":"Income Limits and Repairs: The Fine Print","width":1728,"height":1153},"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":"2026-07-24T12:41:08.660Z","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/90bb2c50-99cf-448f-92c5-76a5093071ad.json","html":"https://stacklist.com/card/90bb2c50-99cf-448f-92c5-76a5093071ad","md":"/api/public/card/90bb2c50-99cf-448f-92c5-76a5093071ad.md","stack_json":"/api/public/stack/75894f1d-8446-4260-9de4-edabb0a88d3d.json"}}