{"version":"1.0","type":"stack","id":"700a9960-cdec-4ca9-b917-3c79e9c5955f","url":"https://stacklist.com/c/finance/stack/700a9960-cdec-4ca9-b917-3c79e9c5955f","title":"First-Time Homebuyer Guide (Jacksonville)","description":"Buying your first home in Jacksonville comes with real financial help most buyers don't know exists. Here's a local, plain language guide to the programs, steps, and loan types available in Duval County and Northeast Florida.","privacy":"public","created_at":"2026-07-31T08:37:12.722Z","updated_at":"2026-07-31T09:43:51.391Z","author":{"username":"leah-jones","name":"Leah Jones","url":"https://stacklist.com/leah-jones","type":"person"},"category":{"id":"finance","name":"finance","url":"https://stacklist.com/c/finance"},"items":[{"id":"c73cadbe-fbb5-4310-a701-6a661be048bb","position":1,"title":"City of Jacksonville Down Payment Assistance","url":"https://www.jacksonvilledownpaymentassistancehomeownershipprogram.com/","note":"Jacksonville's Head Start to Homeownership program offers up to $25,000 in down payment and closing cost assistance for first time buyers purchasing in Duval County, structured as a 0% interest second mortgage.","image":{"url":"https://ucarecdn.com/a8fe87cb-034f-4283-b168-306941193f23/","alt":"City of Jacksonville Down Payment 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Help","url":"https://ir.amerisbank.com/news-market-data/news/news-details/2025/Ameris-Bank-Expands-Down-Payment-Assistance-to-Promote-Homeownership/default.aspx","note":"Ameris Bank offers up to $7,500 in down payment assistance for qualified first time buyers purchasing within specific areas of metro Jacksonville, a program that first launched in this market.","image":{"url":"https://ucarecdn.com/789a0bc7-4716-49fa-8a29-2b525a1306c3/","alt":"Ameris Choice: Bank Backed Down Payment Help","width":900,"height":675},"direct_link":"https://stacklist.com/card/da9e1d47-394e-49ab-ae26-77fb6e2a184c","created_at":"2026-07-31T08:37:45.902Z","updated_at":null},{"id":"33528694-075c-4076-858d-435f2f99c1df","position":4,"title":"Income Limits: Do You Qualify?","url":"https://www.jacksonvilledownpaymentassistancehomeownershipprogram.com/","note":"Jacksonville's H2H program caps household income at 80% of the area median, around $57,400 for a single person in 2026, while the City Pilot program allows up to 120% AMI for buyers who need more room.","image":{"url":"https://ucarecdn.com/d5973db7-22b9-485b-9793-a6124bec6a2c/","alt":"Income Limits: Do You Qualify?","width":1024,"height":1024},"direct_link":"https://stacklist.com/card/33528694-075c-4076-858d-435f2f99c1df","created_at":"2026-07-31T08:37:47.665Z","updated_at":null},{"id":"ff688a3d-3bca-4278-976b-cbc42f636e28","position":5,"title":"Required Homebuyer Education Course","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/810b39f8-7df1-4baf-af2f-12a381d1deae/","alt":"Required Homebuyer Education 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Heroes","url":"https://mortgage-info.com/blog/florida-hometown-heroes-program-2026-complete-guide","note":"Veterans buying in Jacksonville can combine a zero down VA loan with Hometown Heroes assistance to cover closing costs, sometimes resulting in little to no out of pocket cost at closing.","image":{"url":"https://ucarecdn.com/3a2081b0-f57f-40d9-9a99-267db93e0417/","alt":"VA Loans Paired With Hometown Heroes","width":724,"height":483},"direct_link":"https://stacklist.com/card/3b4ecb40-a4e4-44b3-9302-6c33bfb9ffc6","created_at":"2026-07-31T08:37:52.923Z","updated_at":null},{"id":"9f10013b-df70-4c5b-9271-d62b49a5a55c","position":8,"title":"What Counts as a First-Time Buyer in Florida","url":"https://www.firstcoastnews.com/article/news/local/2-million-dollars-in-down-payment-assistance-available-for-first-time-homebuyers-in-jacksonville/77-9226e9fb-ffab-483f-a13f-f58d092d68dc","note":"Most Jacksonville assistance programs define a first time buyer as someone who hasn't owned a home in the past three years, not necessarily someone who has never owned one at all.","image":{"url":"https://ucarecdn.com/837048c9-813f-4d4c-8d69-e8775335cc31/","alt":"What Counts as a First-Time Buyer in Florida","width":1000,"height":600},"direct_link":"https://stacklist.com/card/9f10013b-df70-4c5b-9271-d62b49a5a55c","created_at":"2026-07-31T08:37:54.754Z","updated_at":null}],"stats":{"likes_count":0,"items_count":8},"_links":{"self":"/api/public/stack/700a9960-cdec-4ca9-b917-3c79e9c5955f.json","html":"https://stacklist.com/c/finance/stack/700a9960-cdec-4ca9-b917-3c79e9c5955f","rss":"/api/feeds/stack/700a9960-cdec-4ca9-b917-3c79e9c5955f/rss","json_feed":"/api/feeds/stack/700a9960-cdec-4ca9-b917-3c79e9c5955f/json"}}