Curated by
Therase Huff
Therase Huff is a real estate agent with ERA ONETEAM Realty, serving Jacksonville, St. Augustine, and Ponte Vedra Beach. From historic homes in America's Oldest City to coastal living in Ponte Vedra, Therase brings local expertise and genuine care to every buyer and seller in Northeast Florida.
stacklist.com/therasehuff
Therase Huff is a real estate agent with ERA ONETEAM Realty, serving Jacksonville, St. Augustine, and Ponte Vedra Beach. From historic homes in America's Oldest City to coastal living in Ponte Vedra, Therase brings local expertise and genuine care to every buyer and seller in Northeast Florida.
More in First-Time Homebuyer Guide (St. Johns County)
See all 9 →St. Johns County SHIP Down Payment Assistance
sjcfl.us
Florida Hometown Heroes in St. Johns County
sjcfl.us
Required Homebuyer Education Class
sjcfl.us
Income Limits and Repairs: The Fine Print
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.
Built for AI agentsACO · 1789 tokens
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
St. Johns County Housing Department (organization, 0.92) · State Housing Initiatives Partnership (SHIP) (concept, 0.98) · St. Johns County (location, 0.99) · Florida Housing Finance Corporation (organization, 0.95) · Down Payment Assistance Program (concept, 0.97) · First-Time Homebuyer (concept, 0.93) · SJC Tax Collector (organization, 0.85) · Area Median Income (AMI) (concept, 0.9)
Classification
reference · language en · status final
Provenance
claude-opus-4-6 via @stacklist/mcp-server@2.0.0, confidence 0.85, 24 Jul 2026