Wondering if you qualify for the Head Start to Home Ownership (H2H) Program? This quick calculator helps you estimate your eligibility based on household size, income, and home price. There’s no credit check, no sign-up, and it only takes a minute.
The H2H Program offers up to $50,000 in down payment and closing cost assistance to qualifying buyers in Duval County, Florida.
To be eligible, you must:
Use the tool to get a personalized estimate and take the first step toward owning your home.
This calculator is for informational purposes only and does not guarantee program eligibility or assistance amounts. Final determination will be made by the City of Jacksonville Housing and Community Development Division.
Even if your income slightly exceeds the H2H Program's 80% AMI cap, you may still qualify for reduced assistance—up to $50,000 scaled down based on how far your income falls between the 80% and 120% limits.
The calculator above estimates this for you automatically.
Keep in mind, final eligibility is based on verified income documents submitted during the application process.
The H2H Program uses household size to set fair income limits for eligibility. Larger families can qualify with higher gross income amounts.
For example, a 2-person household must earn $53,550 or less to qualify for full assistance, while a 6-person household can earn up to $77,650.
Enter the correct household size above to get the most accurate result.
If you’re eligible, your next step is to get pre-qualified and complete a HUD-approved homebuyer education course.
Then, you'll shop for a home under the $280,000 price cap in Duval County.
Once under contract, the property must pass a home inspection to meet Housing Quality Standards before you can receive the H2H funds at closing.
The calculator uses your household size, annual income, and estimated home price to estimate if you qualify for the Headstart to Homeownership Program based on HUD limits for Duval County.
Yes. If your income is above the 80% limit but below 120% of the area median income, you may still be eligible for partial assistance through the Headstart to Homeownership Program.
No. The calculator provides an estimate only. Your eligibility for the Headstart to Homeownership Program is determined after submitting a formal application and income documentation.
Enter your total gross (pre-tax) household income, including earnings from all adults in the home, to get an accurate estimate from the Headstart to Homeownership calculator.
The Headstart to Homeownership Program adjusts income limits based on how many people live in your household—larger households can qualify with higher incomes.
The calculator gives a close estimate of potential assistance, but actual amounts for the Headstart to Homeownership Program are determined during the formal approval process.
No. Just enter your estimated home price—anything under $280,000 may qualify under the Headstart to Homeownership Program’s property cap.
Yes. Be sure to include all household income from anyone who will live in the home and be on the loan when using the Headstart to Homeownership calculator.
If your income increases before you apply, it could affect your eligibility. The Headstart to Homeownership Program uses your verified income at the time of application.
Yes. To qualify, the home you plan to buy must be located in Duval County, Florida, under the guidelines of the Headstart to Homeownership Program.
