Buy your first home in Flagler County with up to $49,950 toward down payment and closing costs. Income-qualified buyers can receive assistance through the county's Purchase Assistance Program.
Eligibility, property approval, and available funding required.
Flagler County purchase assistance helps eligible households cover the cost of buying a home. Assistance is funded through Florida's State Housing Initiatives Partnership (SHIP).
Very-Low-Income Buyers
Up to $49,950 toward your home purchase.
Low-Income Buyers
Up to $39,950 toward your home purchase.
Moderate-Income Buyers
Up to $29,950 toward your home purchase.
Get your financing, documents, and program application ready for a home in Flagler County.
Take the first-time homebuyer class and credit counseling through Mid Florida Housing Partnership.
After counseling, obtain your Credit Readiness Confirmation Letter from Mid Florida Housing Partnership.
Create an account in the Flagler County housing portal and select Purchase Assistance.
Wait for written county approval before moving forward with a purchase that relies on program funds.
Your down payment is only part of the cost of buying a home. Flagler County purchase assistance can help with eligible upfront costs so you can plan your next move.
Use approved assistance toward your down payment and closing costs, while meeting your lender's and the program's cash requirements.
Bring your mortgage and purchase assistance together for an eligible primary residence in Flagler County.
Keep the home as your primary residence and meet the loan conditions to earn forgiveness over the program's 15-year term.
Answers about buying a home with Flagler County purchase assistance.
The Purchase Assistance Program provides up to $49,950 for very-low-income buyers, $39,950 for low-income buyers, and $29,950 for moderate-income buyers. Your award depends on eligibility and the financing needed for your purchase.
Purchase assistance helps cover down payment, closing costs, and the gap between your mortgage and the home's purchase price. Eligible repair assistance is separate from the purchase award.
The purchase assistance is secured by a 15-year deferred, forgivable lien. Forgiveness occurs annually after the required occupancy period. Selling the home, renting it out, or failing to meet the occupancy and loan conditions can make the remaining balance repayable.
Complete both a first-time homebuyer class and credit counseling through Mid Florida Housing Partnership. Its Credit Readiness Confirmation Letter is required before applying through the county portal.
The county considers your household size and household income. Eligible households fall within very-low, low, or moderate-income limits, and you must also qualify for mortgage financing.
Eligible repairs have separate limits: up to $30,000 for very-low and low-income buyers and up to $20,000 for moderate-income buyers. Funds are for approved health, safety, insurance, or loan-required repairs—not cosmetic upgrades.
Do not rely on county funds for house hunting, financing, or a purchase contract before Flagler County Housing Services issues an official Award Letter. Submitting an application does not reserve assistance.
After completing the required education and counseling, apply through Flagler County's housing application portal and choose Purchase Assistance. Include your Credit Readiness Confirmation Letter and the requested documents.
Review depends on available funding and program priorities. The county may place applications in a queue. An official Award Letter confirms whether assistance has been approved for your purchase.
No. Checking eligibility here connects you with Next Wave Mortgage about your mortgage and homebuying plans. Flagler County Housing Services makes the program's eligibility and award decisions.
Start with homebuyer education and credit counseling. Flagler County confirms assistance through an official Award Letter; applications are reviewed as funding and program priorities allow.
Check Your Eligibility