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: $75,960
Income Limits FHA/VA Family of 3 or more: $88,620
Income Limits Conventional across the board: $90,860

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