Get up to $30,000 toward the down payment and closing costs on your first home in Bradford County. Assistance comes with 0% interest and annual forgiveness over 25 years.
*Verification of eligibility required.
Bradford County's purchase assistance helps eligible first-time buyers cover upfront homebuying costs through the State Housing Initiatives Partnership (SHIP).
Extremely Low & Very Low Income
Up to $30,000 toward an eligible home purchase.
Low Income
Up to $20,000 toward an eligible home purchase.
Moderate Income
Up to $10,000 toward an eligible home purchase. Your award depends on income, need, and available funds.
A clear path from your mortgage review to your new home in Bradford County.
Visit Bradford County Community Development at 925 North Temple Avenue, Suite E, in Starke to join the waiting list.
Work with your first-mortgage lender to review income, credit, and your homebuying budget.
Finish the county's homeownership classes and gather the documents required for your assistance application.
The county contacts applicants as funds become available. Complete the property review and obtain approval before assistance is applied at closing.
Bradford County purchase assistance reduces the upfront cost of an eligible first home. The loan carries no interest and is forgiven gradually while you continue to meet the program's conditions.
Use approved assistance for eligible down payment and closing costs.
The county loan is deferred, so it does not add a regular monthly payment while you remain in compliance.
Four percent of the original assistance is forgiven each year over the 25-year term.
Answers for homebuyers in Bradford County.
The maximum is $30,000 for extremely low- and very low-income buyers, $20,000 for low-income buyers, and $10,000 for moderate-income buyers. Awards depend on household eligibility, need, and funding.
It is a 0% deferred subordinate mortgage, not an unconditional grant. The 25-year loan is forgiven at 4% of the original principal each year while you meet the program's requirements.
A first-time buyer generally has not owned a home during the previous three years. Certain qualifying exceptions apply, including provisions for displaced homemakers and single parents.
Limits depend on household size. For a four-person household in 2026, the very low-income limit is $40,550, the low-income limit is $64,900, and the moderate-income limit is $97,320.
Eligible homes must be in Bradford County and serve as your primary residence. New homes must meet the plan's certificate-of-occupancy requirements. Existing homes must meet the program's purchase-and-rehabilitation standards.
No. Mobile and manufactured homes are excluded from this purchase-assistance strategy. Owner-financed purchases are also excluded.
Yes. You must be preapproved by your first-mortgage lender and complete the county's homeownership classes before the county approves your assistance application.
First join the county waiting list in person at 925 North Temple Avenue, Suite E, Starke. Bradford County Community Development contacts applicants as funding becomes available. Call 904-966-6382 for the county process.
Selling, renting, or no longer using the home as your primary residence can trigger repayment of the unforgiven balance. Your loan documents explain the complete default and repayment conditions.
No. This is a private mortgage inquiry with Next Wave Mortgage, LLC. County approval and available funding are required; submitting this inquiry does not place you on the county waiting list.
Get your mortgage budget in place and prepare for the county application process. Bradford County uses a waiting list and contacts applicants as purchase-assistance funds become available.
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