Housing Services administers various programs targeted at improving the quality of life for low-to-moderate income residents of Duval County. These programs include down-payment assistance, home repair, rehabilitation of multifamily housing units, septic tank emergency assistance and conversion to city sewage from septic tanks.
In addition, Housing Services provides funding to external agencies for new home construction, housing rehabilitation, and down payment assistance for first time homebuyers of single family homes. Please note all programs are intended for primary residences of low-to-moderate income homeowners; rental or second properties are ineligible for Housing Services Programs. All homes must be in Jacksonville/Duval County to be eligible for Housing Services Programs.
Housing Services Programs
Documents for the following programs provided in links are in pdf format and require Adobe Acrobat Reader, available free from Adobe.
Click here to download Adobe Acrobat Reader.
Limited Repair Program
The Limited Repair Program ("LRP") is a general home repair program which focuses on bringing homes up to code. The applicant must occupy their home, and mortgage and property taxes must be current. Mobile homes are not eligible. The total household income must not exceed 80% of the area median income for Duval County, as established by the U.S. Department of Housing and Urban Development. This includes all income for all household members. The maximum assistance available for each home is $55,000 and is subject to funding limitations. The home must be in need of repairs that, if left unattended, could pose a threat to the family's health and safety or the home has to have been cited by the Municipal Code Compliance Division.
Due to high demand, there is a waiting list which is currently closed. When the waiting list reopens, names will be placed on the list and serviced on a first-come, first-serve basis.
Click here to view the LRP flyer and learn about eligibilty requirements and activities, funding limitations, mortgage structure, and assumability.
Limited Repair Program information and documents are also available by contacting Sara Tortorello, Housing Loan Specialist, by emailing sarat@coj.net or by calling at 904-255-8229.
Emergency Repair Program
The Emergency Repair Program ("ERP") is an owner-occupied repair program that resolves immediate threats to life and safety. Eligible activities are replacement or repair of heating and air conditioning, falling ceiling repair, replacement or repair of water heaters, electrical components that pose an immanent fire hazard, structural components showing signs of imminent collapse, and ADA accessibility.
The applicant must occupy their home, and mortgage and property taxes must be current. Mobile homes are not eligible. The total household income must not exceed 80% of the area median income for Duval County, as established by the U.S. Department of Housing and Urban Development. This includes all income for all household members. The maximum assistance available for each home is $12,000 and is subject to funding limitations.
Click here to view the ERP flyer and learn about eligibility requirements and activities, funding limitations, mortgage structure, and assumability.
Emergency Repair Program information and documents are also available by contacting Sara Tortorello, Housing Loan Specialist, by emailing sarat@coj.net or by calling at 904-255-8229.
Utility Tap-In Program
The Utility Tap-In Program ("UTIP") connects personal residences to city sewer and waterlines (if available), repair or replacement of failed septic tanks, drain fields, or wells, ADA accessibility for bathrooms, and the repair or replacement of outdated galvanized pipes. The applicant must occupy their home, and mortgage and property taxes must be current. Mobile homes are not eligible. The total household income must not exceed 80% of the area median income for Duval County, as established by the U.S. Department of Housing and Urban Development. This includes all income for all household members. The maximum assistance available for each home is $55,000 and is subject to funding limitations.
Click here to view the ERP flyer and learn about eligibility requirements and activities, funding limitations, mortgage structure, and assumability.
Utility Tap-In Program information and documents are also available by contacting Sara Tortorello, Housing Loan Specialist, by emailing sarat@coj.net or by calling at 904-255-8229.
Headstart to Homeownership Program
The Headstart to Homeownership ("H2H") Program offers financial assistance up to $50,000 to provide down payment and closing costs assistance to eligible individuals or families who are interested in purchasing a home. Eligible applicants must meet household income criteria as established by the U.S. Department of Housing and Urban Development, must not currently own a home, and will reside in the home as their primary residence. The H2H program is subject to funding limitations. The total gross household income cannot exceed 120% of the area median income for Duval County as established by the U.S. Department of Housing and Urban Development. All homes being sold under the H2H program must be in compliance with Section 8 Housing Quality Standards prior to closing.
Applicants must follow the process as outlined in the H2H flyer. It is important that applicants NOT sign a sales contract prior to being approved.
Click here to view the H2H flyer and learn about eligibility requirements, interest rate and terms, mortgage structure, assumability, the H2H process, housing quality standards, and lead-based paint clearance requirements as applicable.
H2H 2022-23 - Lender Contact List JUN 2022 to view the list of approved lenders and contact information.
Headstart to Homeownership information and documents are also available by contacting Shanee Ealey, Housing Services Manager, by emailing sealey@coj.net or by calling at 904-255-8241.
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