Down Payment Assistance



Application cycle - Open until all funds are expended
SHIP funds will be awarded for down payment and closing costs to assist eligible first time homebuyers with the purchase of a newly constructed or existing site built home. Funds may be used to pay acquisition costs including all or part of the down payment, first mortgage buy down, surveys, appraisals, inspections on existing homes, and other customary closing costs include the guarantee fee of USDA Rural Development or PMI.


The maximum assistance is $20,000. Assistance shall be in the form of a 0% interest loan secured by a recorded subordinate mortgage and promissory note. Assistance is provided on a first-qualified, first-served basis. There is no out of pocket borrower contribution requirement.

For more information, please call 1-352-689-4400.

Qualifications, Information and Resources