DOWN PAYMENT ASSISTANCE · NORTHWEST / PANHANDLE
Bay County Down Payment Assistance
Local SHIP and city programs, statewide Florida Housing assistance and next steps for homebuyers in Bay County.
Down Payment Assistance › Northwest / Panhandle › Bay County
Bay County
Northwest / Panhandle region · 1 county program · 1 city program
County program
Use the county program if the home is outside the city limits of the cities listed below.
Bay County SHIP Program
Offers: Purchase Assistance-with Rehab · Demolition/Reconstruction · Emergency Repair · Foreclosure Prevention · Impact Fees · Special Needs
Applications: Annually, provided funding is received from Florida Housing Finance Corporation (FHFC).
How to apply: Complete applications during annual application cycle.
Contact: Lori Bisch
City programs
If the home is inside one of these city limits, start with the city’s program.
City of Panama City SHIP Program
Offers: Purchase Assistance/CLT-without Rehab · Owner Occupied Rehabilitation · Emergency Repair · Foreclosure Prevention · Acquisition/Rehabilitation · New Construction
Applications: Annually, provided funding is received from Florida Housing Finance Corporation (FHFC).
How to apply: Complete applications during annual application cycle.
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.
CITIES IN BAY COUNTY
Explore Bay County cities
Pick a city for home prices, the local job market, schools, and loan options there.
NEXT STEPS
How to use assistance in Bay 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 Bay County funds open
Assistance funds open and close throughout the year. Leave your email and Alex will let you know when Bay County programs are accepting applications.
GET HELP
Not sure which Bay 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.