Hamilton County Housing Program: Hometown Heroes and Local Down Payment Help
Up to $35,000 from the Florida Hometown Heroes Housing Program, plus Hamilton County's own county assistance. Income limit here: $148,050.
Hometown Heroes › County Housing Programs › Hamilton County
Buying your first home in Hamilton County? If you hold an eligible job, the Florida Hometown Heroes Housing Program can cover part of your down payment and closing costs, and Hamilton County runs its own local program alongside it.
Hamilton County's income limit of $148,050 is shared with 30 other counties; 36 counties have a higher limit. Hamilton County's FHA loan ceiling is $541,287; a first mortgage that size would draw $27,064 under the 5% rule.
Income limit (FHA / VA / HFA)
$148,050
Income limit (USDA)
$119,850
Max loan, FHA
$541,287
Max loan, HFA / VA
$832,750
Hometown Heroes help
5% of first mortgage, $10,000 to $35,000
County seat
Jasper
Income limits: TBA funding option, effective May 6, 2026. Loan limits effective Jan 2, 2026. Source: Florida Housing Finance Corporation Hometown Heroes lender guide. Bond-funded limits may differ.
Same $148,050 limit: Bradford County, Calhoun County, Charlotte County, Citrus County and 26 more.
Hometown Heroes vs. the Hamilton County housing program
Florida Hometown Heroes (state)
A 0% interest deferred second mortgage worth 5% of your first mortgage, with no monthly payment. It is not forgiven: you repay it when you sell, refinance, pay off the first mortgage or move out. Funding is first come, first served through approved lenders. Read the full Hometown Heroes guide.
Hamilton County local assistance (SHIP-funded)
Hamilton County receives state SHIP money every year and decides locally how to spend it. Down payment and closing cost help is an approved use. Amounts, income caps and whether the help is forgivable are set in the county's Local Housing Assistance Plan, so they differ from Hometown Heroes.
Hamilton County government website · Florida Housing SHIP local contacts
Some buyers use both; others qualify for only one. The lender checks layering rules before anything is reserved.
Eligible jobs for Hamilton County buyers
Eligibility starts with your job: full-time work for a Florida-based employer in an approved occupation. Teachers and school staff (Hamilton schools), sheriff's deputies and corrections staff (Hamilton Sheriff), nurses, paramedics and childcare workers in Hamilton County are among the eligible groups.
We have dedicated mortgage guides for many of these jobs:
- Healthcare: mortgage options for physicians and doctors
- Healthcare: mortgage options for nurses and medical professionals
- Public safety: mortgage options for corrections officers
- Public safety: mortgage options for police officers
- First responders: mortgage options for firefighters
- First responders: mortgage options for EMTs and paramedics
- Education: mortgage options for teachers and school staff
- Military: mortgage options for active-duty military and veterans
Where you can use it in Hamilton County
Hometown Heroes applies county-wide, from Jasper to Jennings, White Springs. The home must be your primary residence: single-family, townhome, eligible condo, or a 2 to 4 unit property where you live in one unit.
Parts of Hamilton County fall inside USDA-eligible areas, so a USDA first mortgage (zero down) can be paired with Hometown Heroes for qualifying addresses. The USDA income limit here is $119,850.
Check property records and taxes with the Hamilton County Property Appraiser.
Hamilton County housing news
- HAND opens six affordable homes in Carmel as housing demand grows across Hamilton County (LarryInFishers, Oct 2, 2026)
- Gov. DeSantis sends more than $15M to rural communities for economic and infrastructure development (Florida Politics, Sep 2, 2026)
Updated Oct 6, 2026.
Hamilton County Hometown Heroes questions
What is the Hometown Heroes income limit in Hamilton County?
For FHA, VA and conventional HFA loans, the 2026 Hometown Heroes income limit in Hamilton County is $148,050 (TBA funding, effective May 6, 2026). For USDA loans it is $119,850. Under the TBA option, only the income of borrowers on the loan is counted, not the whole household.
Do I have to pay back Hometown Heroes assistance in Hamilton County?
It is not a grant. Hometown Heroes is a 0% interest, deferred second mortgage with no monthly payment. It is repaid in full on sale, transfer of deed, satisfaction of first mortgage, refinance of first mortgage, or if the home stops being your primary residence. Local programs funded through Hamilton County's SHIP allocation can be structured differently, which is why it pays to compare both.
Does Hamilton County have its own down payment assistance program?
Yes. Every Florida county, including Hamilton County, receives state SHIP (State Housing Initiatives Partnership) funds, a minimum of $350,000 a year, and can use them for down payment and closing cost help. Hamilton County sets its own income caps, amounts and repayment terms in its Local Housing Assistance Plan, and funding windows vary.
What is the maximum Hometown Heroes assistance in Hamilton County?
Assistance is 5% of your first mortgage amount, with a minimum of $10,000 and a maximum of $35,000. Hamilton County's FHA loan ceiling is $541,287; a first mortgage that size would draw $27,064 under the 5% rule.
Who can help me apply for Hometown Heroes in Hamilton County?
Hometown Heroes is reserved through Florida Housing–approved participating lenders, first come, first served. Stairway Mortgage (Jim Blackburn, NMLS #1072866) can review your occupation, income against the Hamilton County limit, and whether Hamilton County's local program fits alongside it.
Jim Blackburn, NMLS #1072866 · Stairway Mortgage. Program terms, limits and funding availability are set by Florida Housing Finance Corporation and Hamilton County and can change. Estimates are not a commitment to lend. Equal Housing Opportunity.