Military Realty of Florida | Jacksonville Real Estate Search
Address Search
First-Time Home Buyer Programs in Florida
Two-story house with the garage lights on at dusk
First time home buyer programs in Florida are run by Florida Housing Finance Corporation. The public site is floridahousing.org. A round can open, fill, and close. A blog post from last spring is not a reservation.
VA, FHA, and conventional are loan types a buyer might use. They are not the state program. Call (904) 309-0609 and we will separate the loan from the assistance before you write an offer.
Table of Contents
Florida Housing is the state desk
Florida Housing Finance Corporation is the agency. You confirm what is taking applications at floridahousing.org. That page beats a screenshot someone texted you.
When a program is open, it can help with down payment and closing costs for buyers who qualify. The rules, the forms, and the reservation steps live on that site. We read them with you. We do not memorize last year's flyer.
We do not quote caps on this page
Income limits and purchase-price caps move. A wrong number on a web page is how a family plans a payment they cannot have. This page will not print either cap.
If you need the number, we open the live Florida Housing notice for the program you are actually using. Duval, Clay, St. Johns, and Nassau do not get to invent a friendlier version. The agency's number is the number.
Hometown Heroes
Hometown Heroes has been one of the Florida Housing programs. Teachers, nurses, law enforcement, and other workers ask about it by name. History is not the same thing as a reservation in your file.
Confirm it is open before anyone counts on it. Call (904) 309-0609 and we will look at the current notice with you. If the round is closed, we stop talking about it and look at the loan and the cash you already have.
Homes for Heroes is not Florida Housing
Homes for Heroes is a national program. It is not a Florida Housing product, and it is not a VA loan. People mix the three up because the names sound like a benefit.
Do not assume this office is enrolled. Call (904) 309-0609 and ask if that file can be run through it. We will not promise a rebate percent. If the answer is no, you still have a normal purchase.
The loan underneath the help
State assistance, when a round is open, sits on top of a loan. It does not replace the lender. A first-time buyer in Jacksonville still picks VA, FHA, or conventional, or pays cash.
VA is for eligible service members, veterans, and some surviving spouses. Full entitlement has no VA-set county cap. Partial entitlement math uses the 2026 FHFA one-unit conforming limit, which is $832,750 in Duval, Clay, St. Johns, and Nassau. We do not quote an FHA limit. The lender does. The buyer generally certifies an intent to occupy within 60 days. We do not invent a 12-month waiver.
The Duval search we save
For a first-time buyer who wants Duval, the working board is County = Duval, Status = active, Sort = newest. That is houses you can tour, not a grant list.
Clay is a different county. Orange Park, ZIP 32073, sits on Blanding Boulevard and Doctors Lake, and it is a straight shot toward NAS Jacksonville for a lot of families. Mayport is the other direction. Arlington and the beaches fit that gate better than Mandarin does. The Mayport drive from Mandarin is long. Say which gate, or which job, before we mix the counties.
What to line up before you tour
Get a real pre-approval, not a text that says you are probably fine. The timing is its own page: how long pre-approval takes. Bring orders or discharge papers if VA is on the table. Bring the work history the lender asked for if the loan is FHA or conventional.
Then call (904) 309-0609. A person answers. We will set the search, check whether any Florida Housing round is actually open, and tell you if the house you like does not fit the help. More buyer questions are on the home buyer FAQ.
Keep going
Call (904) 309-0609.
Newest Homes for Sale in Duval County
Welcome home to this well-maintained 3-bedroom, 2-bath block home offering 1,131 square feet of comfortable living space. The functional, open-concept layout makes everyd...
- 3 Beds
- 2 Baths
- 1,131 SqFt.
- 0 DOM
Charm and curb appeal abound for this Jacksonville home! Step inside the inviting foyer and into the well-appointed living room, positioned at the front of the home. Thro...
- 3 Beds
- 2 Baths
- 1,788 SqFt.
- 0 DOM
Fresh, updated, and seriously easy to love. This 3-bedroom, 2-bath Jacksonville home has the kind of upgrades that make everyday living feel a whole lot easier. Inside, y...
- 3 Beds
- 2 Baths
- 1,420 SqFt.
- 0 DOM
Beautiful and furnished 2 bedroom, 2 bathroom oceanfront condo on the 3rd floor in the desirable Oceania condominiums in North Jacksonville Beach. Ready to move into or t...
- 2 Beds
- 2 Baths
- 1,346 SqFt.
- 0 DOM
POTENTIAL! POTENTIAL! Bright and spacious this 3 bedroom, 1.5 bath home features tile, vinyl and hardwood flooring throughout, a kitchen and bathrooms with solid surface...
- 3 Beds
- 2 Baths
- 1,756 SqFt.
- 0 DOM
Coming Soon listing, no showings. Turn-key investment property ''East of 3rd'' in South Jax Beach. Welcome to 1207 & 1205 2nd Street South. Situated on a generous 62x100 ...
- 4 Baths
- 2,340 SqFt.
- 2 DOM
Beautifully updated and move-in ready in the established San Mateo neighborhood, this 4-bedroom, 2-bath home offers a surprisingly spacious and well-designed layout with ...
- 4 Beds
- 2 Baths
- 1,572 SqFt.
- 0 DOM
A rare find in the coveted Belle Rive area a 1ST FLOOR condo located in sought after Lakecrest with an ATTACHED garage! No stairs with those groceries! Head right into th...
- 1 Beds
- 1 Baths
- 830 SqFt.
- 0 DOM
Coming Soon listing, no showings. Nestled in a charming, and small gated community, this stunning 5-bedroom, 4-bath POOL home sits on a full acre with a peaceful pond vie...
- 5 Beds
- 4 Baths
- 3,387 SqFt.
- 0 DOM
Unlock incredible potential with this classic 2-bedroom, 1-bathroom wood-framed home, featuring an adaptable **bonus room** ideal for a home office, den, or expanded livi...
- 2 Beds
- 1 Baths
- 852 SqFt.
- 0 DOM
Tucked into one of Jacksonville's most beloved historic neighborhoods, this Avondale bungalow is full of original charm. Graceful archways frame the living spaces, and ...
- 3 Beds
- 1 Baths
- 1,446 SqFt.
- 0 DOM
CCG-1 COMMERCIAL LAND ON HECKSCHER DRIVE - FANNING ISLAND! Approximately 0.92 acres of commercial land positioned along Jacksonville's distinctive Heckscher Drive mariti...
- 0 DOM
I am excited to to introduce this Pulte Homes-built Xavier townhome which overlooks one of Vizcaya's ponds, and the owners have taken care of an impressive list of update...
- 3 Beds
- 3 Baths
- 1,846 SqFt.
- 0 DOM
Discover incredible flexibility in this ~1,200 sq ft residence situated in a prime, highly accessible location. Featuring unique CRO (Commercial Residential Office) zonin...
- 3 Beds
- 1 Baths
- 1,214 SqFt.
- 0 DOM
OPEN HOUSE! Saturday, October 3rd from 11 to 3! SHOWS LIKE A MODEL HOME! From the moment you step inside, this beautifully updated home feels warm, inviting and move...
- 2 Beds
- 2 Baths
- 1,344 SqFt.
- 0 DOM
Coming Soon listing, no showings. Conveniently located in Jacksonville's desirable Mandarin/Bartram Park area, this charming, single-story all-brick home sits on a large ...
- 3 Beds
- 2 Baths
- 1,709 SqFt.
- 0 DOM
CCG-1 COMMERCIAL LAND ON HECKSCHER DRIVE - FANNING ISLAND! Approximately 0.92 acres of commercial land positioned along Jacksonville's distinctive Heckscher Drive mariti...
- 0 DOM
***MOVE IN READY - BRAND NEW HOME*** Welcome to Lennar's desirable Belmont floor plan, featuring 3 bedrooms, 2 bathrooms, and a 2-car garage. This thoughtfully designed ...
- 3 Beds
- 2 Baths
- 1,428 SqFt.
- 0 DOM
Come see this very open and spacious 3 bedroom, 2-bathroom home with a very open and spacious floorplan. The kitchen overlooks the family room and dining area for a grea...
- 3 Beds
- 2 Baths
- 1,595 SqFt.
- 0 DOM
Building Lot. Well and Pump house already on site. See Plot Plan in documents
- 0 DOM
Coming Soon listing, no showings. $7,500 BUYER INCENTIVE TOWARD CLOSING COSTS AND/OR DOWN PAYMENT! MOVE-IN READY & COMPLETELY REMODELED! Welcome home to this beautifully...
- 3 Beds
- 2 Baths
- 1,287 SqFt.
- 2 DOM
Coming Soon listing, no showings. Welcome to 514 Candlebark Drive in the sought-after Waterleaf community of East Arlington! This two-story, 3 bedroom, 2.5 bath home offe...
- 3 Beds
- 3 Baths
- 2,241 SqFt.
- 3 DOM
Beautifully updated 3/2+Office tucked away on preserve wooded lot in quiet neighborhood just minutes from the beach, town center, and I-295. Open split floor plan design ...
- 3 Beds
- 2 Baths
- 1,835 SqFt.
- 0 DOM
Welcome home to this beautifully renovated pool home with incredible curb appeal! This unique 2-bedroom property offers a thoughtfully designed layout with spacious rooms...
- 2 Beds
- 1 Baths
- 973 SqFt.
- 0 DOM
Address Search
