Head Start to HOME Ownership Program (H2H) (FL): Amount, Requirements & How to Apply

Head Start to HOME Ownership Program (H2H)

Quick answer

Head Start to HOME Ownership Program (H2H) is a Florida down payment assistance program from City of Jacksonville Neighborhoods Department - Housing and Community Development Division. It provides Up to $25,000 as a forgivable loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

0% interest second/third mortgage for 10 years with principal reducing annually; prorated repayment if sold or vacated early; applicants must not currently own a home; 2024/2025 flyer with income limits effective April 1, 2025; Jacksonville/Duval County (consolidated city-county) primary residence; do not sign sales contract before approval.

Where does Head Start to HOME Ownership Program (H2H) apply?

This city-level program is available to buyers in Jacksonville. Cities on our site where it applies:

Down payment assistance in Jacksonville

Detail	Program terms
Assistance	Up to $25,000
Type	Forgivable loan
Minimum credit	Not published on the program page
First-time buyer	See official page
Income limits	80% AMI

How does Head Start to HOME Ownership Program (H2H) work with an FHA loan?

Florida's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://jacksonville.gov/departments/housing-and-neighborhoods/housing-services.aspx. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Florida down payment assistance programs

Frequently asked questions

Up to $25,000, according to City of Jacksonville Neighborhoods Department - Housing and Community Development Division.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.