First-Time Homebuyer Guide

The City of Jacksonville's Headstart to Homeownership program offers up to $50,000 in down payment and closing cost assistance for eligible first-time buyers in Duval County, one of the best local programs in Northeast Florida.

Florida's statewide program for first responders, teachers, healthcare workers, and veterans, offering up to $35,000 in down payment assistance at 0% interest. Veterans and active military qualify even without Florida employment.

Florida Housing's statewide portal for 30-year fixed-rate loans, second mortgage down payment help, and a Mortgage Credit Certificate that gives eligible buyers an annual federal tax credit. Starting point for any Florida first-time buyer.

A thorough breakdown of loan types (FHA, VA, conventional), what closing costs actually look like in Florida (2 to 5% of purchase price), and common first-timer mistakes to avoid in Jacksonville's market.

Florida homes face unique risks from heat, humidity, and hurricanes. This covers what a full inspection vs a 4-point inspection checks, why termite and wind mitigation reports matter, and how to choose a licensed inspector in Northeast Florida.

Use Florida Housing's free eligibility wizard to find out which loan programs and down payment assistance you qualify for based on your income, county, and occupation. Takes under 5 minutes and shows all available programs at once.