DOWN PAYMENT ASSISTANCE · NORTHWEST / PANHANDLE
Jefferson County Down Payment Assistance
Local SHIP and city programs, statewide Florida Housing assistance and next steps for homebuyers in Jefferson County.
Down Payment Assistance › Northwest / Panhandle › Jefferson County
Jefferson County
Northwest / Panhandle region · 1 county program
County program
The county program serves homebuyers throughout Jefferson County.
Jefferson County SHIP Program
Offers: Purchase Assistance/CLT-without Rehab · Owner Occupied Rehabilitation · Demolition/Reconstruction · Disaster Repair/Mitigation
Applications: Only when an application cycle opens. A cycle is open for 60 days after formal publication of available funding is advertised in the local newspaper for 30…
How to apply: Contact DSR Consulting & Management, LLC at 850-999-8648 or email JeffersonsSHIP@dsrconsultant.com for application information.
Contact: Kelli Greene
Statewide programs (Florida Housing, FL Assist, Hometown Heroes and more) can be combined with the local programs above. See them on the main down payment assistance page.
Local program details come from Florida Housing’s SHIP local government directory and official agency sites, reviewed October 2026. Funding, eligibility, income and purchase price limits and application windows change often — confirm with each administrator.
NEXT STEPS
How to use assistance in Jefferson County
Check the program and funding
Call or visit the program above to confirm it is accepting applications, plus its income and purchase price limits.
Take homebuyer education
Most programs require a certificate from an approved course before closing.
Get pre-approved with the right loan
Assistance only works with participating lenders and approved first mortgages. Alex will match your loan to the programs you qualify for.
FUNDING ALERTS
Get notified when Jefferson County funds open
Assistance funds open and close throughout the year. Leave your email and Alex will let you know when Jefferson County programs are accepting applications.
GET HELP
Not sure which Jefferson County programs fit?
Alex will review which county, city and statewide programs may fit your purchase, how they pair with your loan, and what you’ll need — at no cost and with no obligation.
- Program-to-loan matching
- Cash-to-close estimate with and without assistance
- Help with timing, education and paperwork
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More counties in the Northwest / Panhandle region
Down payment assistance programs are administered by third parties; listing does not guarantee eligibility or available funds. Not a commitment to lend. Not all applicants qualify. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.