DOWN PAYMENT ASSISTANCE · NORTHWEST / PANHANDLE
Holmes County Down Payment Assistance
Local SHIP and city programs, statewide Florida Housing assistance and next steps for homebuyers in Holmes County.
Down Payment Assistance › Northwest / Panhandle › Holmes County
Holmes County
Northwest / Panhandle region · 1 county program
County program
The county program serves homebuyers throughout Holmes County.
Holmes County SHIP Program
Offers: Purchase Assistance-with Rehab · Purchase Assistance/CLT-without Rehab · Owner Occupied Rehabilitation · Disaster Repair/Mitigation · Emergency Repair
Applications: We are maintaining a Wait List at the present time for all strategies. Please contact the Emerald Coast Regional Council at 850-332-7976, ext 206, and talk to…
How to apply: Please contact the Emerald Coast Regional Council at 850-332-7976, ext 206.
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 Holmes 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 Holmes County funds open
Assistance funds open and close throughout the year. Leave your email and Alex will let you know when Holmes County programs are accepting applications.
GET HELP
Not sure which Holmes 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.