Purchase Assistance Program

The Purchase Assistance Program is designed to assist first time home buyers with the purchase of an existing single family home or condominium within Jackson County. Funding, which is provided as a second or subordinate mortgage loan, may be used for:

  • Down payment.
  • Closing costs.
  • Principal buy-down.
  • Repairs needed for affordable home ownership.

Ship funds may be used in conjunction with a first mortgage loan obtained from a participating lenders, Florida Housing Finance Corporation's Bond Program, or Rural Development.

Rehabilitation Program

Often times, repairs are not made when needed due to lack of personal funds and/or adequate Federal subsidy programs to assist families in despair. Jackson County supports efforts to conserve, protect and rehabilitate housing by offering an Owner-Occupied Rehabilitation Program designed to assist eligible homeowners with moderate needed rehabilitation or emergency repair assistance for owner occupied homes to address repair needs for:

  • Roofing
  • Electrical
  • Plumbing
  • Sanitary disposal
  • Life/safety conditions
  • Structural code deficiencies
  • Other related repairs

*Note regarding above two programs:

Funds are secured with a ten (10) year, recorded, zero interest and deferred payment mortgage loan; monthly payments are not required. Repayment of the loan is required in full when one of the following conditions is met during the term of the note only, whichever occurs first:

  • Sale
  • Title transfer
  • Refinances to access equity and homeowner no longer resides in the home.


“Applications are accepted by appointment only and are based on the availability of funding. For more information about the application requirements for the State Housing Initiative Partnership (SHIP) Program, please call our office at (850) 482-9083.”

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