Put up to $30,000 toward your home purchase in Dixie County. Get help with down payment and closing costs through a 0% deferred loan with a ten-year forgiveness schedule.
Eligibility, property approval, and available funding required.
Dixie County purchase assistance helps eligible households cover the cost of buying a home. Assistance is funded through Florida's State Housing Initiatives Partnership (SHIP).
Very-Low-Income Buyers
Up to $30,000 in purchase assistance.
Low-Income Buyers
Up to $25,000 in purchase assistance.
Moderate-Income Buyers
Up to $20,000 in purchase assistance.
Get your financing, documents, and program application ready for a home in Dixie County.
Talk with a lender about your mortgage, monthly payment, and the cash you will need to close.
Prepare income and asset records for each household member and documentation of your financing.
Request purchase assistance through Suwannee River Economic Council, the county's program administrator.
Have your home, financing, and assistance approved before closing. Awards depend on eligibility and funding.
Your down payment is only part of the cost of buying a home. Dixie County purchase assistance can help with eligible upfront costs so you can plan your next move.
Use approved assistance toward your down payment and closing costs, while meeting your lender's and the program's cash requirements.
Bring your mortgage and purchase assistance together for an eligible primary residence in Dixie County.
Meet the program's loan and occupancy conditions to have 10% of your assistance forgiven each year over ten years.
Answers about buying a home with Dixie County purchase assistance.
The program helps eligible buyers with down payment and closing costs on a home in Dixie County. Purchase assistance is offered with or without rehabilitation, depending on the home.
Maximum awards are $30,000 for very-low-income households, $25,000 for low-income households, and $20,000 for moderate-income households. Assistance cannot exceed 50% of the home's purchase price.
Limits depend on household size. For a four-person household in 2026, the very-low-income limit is $39,150, the low-income limit is $62,600, and the moderate-income limit is $93,960.
Buyers must contribute at least 1% of the home's purchase price. Your lender will also review the cash needed for your mortgage and closing.
Assistance is a 0% deferred loan with a ten-year term. Ten percent is forgiven each year while you meet the program's conditions. A remaining balance may become due if you sell or stop using the home as your primary residence.
Yes. The program includes eligible existing homes and newly constructed homes that received a certificate of occupancy within the previous 12 months. Property and financing requirements still apply.
Yes. A purchase-with-rehabilitation strategy is available for eligible homes. Repairs are part of the approved purchase-assistance award, not an additional unrestricted payment to the buyer.
Suwannee River Economic Council administers the purchase-assistance application. It reviews household eligibility, required documentation, and funding before an award can be approved.
No. Meeting income guidelines does not reserve funds. The administrator must approve your application and the purchase, and funding must be available.
You can discuss your homebuying plans and mortgage options with Next Wave Mortgage. This inquiry is not the county's assistance application and does not reserve or approve program funds.
Find out how your household income, savings, and mortgage fit together. Assistance is subject to program approval and available funding.
Check Your Eligibility