Rent and Housing

Homeownership Program

Verified · October 23, 2026

This program helps residents of Duval, Baker and Nassau counties buy a new home. Homes are built new, sold to partner families at no profit, and financed with loans. To start, a person takes an eligibility quiz, watches or attends an information session, and then gets a link to the online application.

Call (904) 798-4529 Get directions Apply / official site
Organization
First Coast Habitat for Humanity (formerly HabiJax — Habitat for Humanity of Jacksonville)
Address
40 E Adams St, Suite 200, Jacksonville, FL 32202
Hours
Walk In Wednesdays 9 a.m.–3 p.m. (home office, per the Walk In Wednesdays page)
Who qualifies
Residents of Duval, Baker and Nassau counties who show a need for housing (for example unsafe or overcrowded housing, public housing, or spending more than 40% of income on housing), can afford a monthly mortgage payment and a small down payment, meet the income table, have fair credit (score of at least 580, with no recent bankruptcies, liens or judgments), and where all household members are U.S. citizens or permanent legal residents; buyers must also complete homebuyer education and volunteer time
Income limits
Annual gross income by household size (flyer table): 1 person $38,000–$86,160; 2 people $38,000–$98,400; 3 people $38,000–$110,760; 4 people $38,000–$123,000; 5 people $42,000–$132,840; 6 people $45,000–$142,680; 7 people $48,000–$152,520; 8 people $50,000–$162,360
Documents needed
To begin an application in person (per the Walk In Wednesdays page): current ID, Social Security number, 1 month of pay stubs or employment letter, last 2 years' W-2s, last 2 years' tax returns, 2 most recent monthly bank statements; self-employed also bring the most recent year profit and loss statements and EIN if they have one
How to apply
Take the eligibility quiz and watch or attend an information session, then complete the online application link given after the session; or walk in on Wednesdays 9 a.m.–3 p.m. at the home office to start an application (no appointment needed)
Cost
Homes are sold at no profit and financed with loans; buyers must be able to make a small down payment; an application fee is mentioned on the Walk In Wednesdays page (amount not stated)
Last verified
October 23, 2026

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