The Get Smart Team
Justin Timmons & Sabrina Wickham

Duval Counties New Florida Bond Program Offers $15,000 In Down Payment Assistance!

If you are a first time home buyer or have not owned a home in the last 3 years, you may be able to qualify for The Florida Bond Program also known as the Hardest-Hit Fund. You can get $15,000 in down payment and closing cost assistance. The best part is 20% is forgiven each year you live and own the home as your primary. This means after 5 years the ENTIRE debt is forgiven!

This specific program is only available in 5 different counties in Florida with Duval being one. The others are Brevard, Hillsborough, Orange and Volusia. It is available for FHA, Conventional, VA and USDA loans. You must have a minimum credit score of 640. Also, there are different income limits depending on which type of loan you get. Those limits are as follows:

Income Limits FHA/VA Family of 1-2: $71,890
Income Limits FHA/VA Family of 3 or more: $82,673
Income Limits Conventional across the board: $88,620

Buyers must complete home ownership class prior to closing. Remember, not every Real Estate Agent is aware of this program and not all lenders are able to underwrite the loan. If you have any questions feel free to email either Justin Timmons at or Sabrina Wickham at

The Get Smart Team

Posted on July 31, 2015 at 2:12 pm by Justin Timmons & Sabrina Wickham


Derek Hennessee on said: Reply

I am a first time home buyer and was very interested in learning more about this program you were offering with the down payment and closing cost assistants.

Jessie verzi on said: Reply

I’m interested in your program. I have already started a loan process with my bank navy federal. Not sure if I can still participate in this program but if so any information would be helpful.

Jessie verzi

Tammy Hartley on said: Reply

Can you choose any home in duval county or what is criteria?

Matthew berdecia on said: Reply

Please call me

Paul on said: Reply

Recently married & spouse has owned her home since 2003. Do I qualify? I have never owned a home.

David Deas on said: Reply

Hi, was interested in your first time buyer’s program

William Alexander on said: Reply

Hello I am William Alexander who can this project helpe with the underwriter I drive tractor and my w2 only shows the miles paid for the year an the rest of the income is perform bonuses

William Alexander on said: Reply

T please could I get more information please

adrian dixon on said: Reply

hi looking for more information on this program looking to buy a house …email me please

William Alexander on said: Reply

Could you please send me some information about this program thanks

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