Get up to $25,000 toward an eligible home purchase in Citrus County. The assistance carries 0% interest, no scheduled monthly payments, and forgiveness after 15 years when all requirements are met.
*Verification of eligibility required.
Citrus County's SHIP Purchase Assistance Program Without Rehabilitation helps income-qualified buyers purchase an eligible existing home.
Very Low Income
Up to $25,000 in purchase assistance for an eligible household.
Low Income
Up to $25,000 in purchase assistance for an eligible household.
Moderate Income
Up to $25,000, subject to the program's income priorities, demonstrated need, and available funds.
A clear path from your mortgage review to your new home in Citrus County.
Ask your lender to review your income, credit, and eligibility for fixed-rate financing.
Gather household income, asset, and mortgage documents for Citrus County Housing Services.
Find an existing home that meets the program's price, property, and inspection requirements.
The county reviews your eligibility and property before approving assistance. Complete the loan and closing requirements before funds are applied.
Citrus County purchase assistance can reduce the savings you need for an eligible existing home. The county loan is deferred and has no interest while you meet its requirements.
Apply approved assistance toward eligible costs of purchasing your primary home.
The assistance loan has no scheduled monthly payment during its 15-year term.
The assistance balance is forgiven at the end of the term if you satisfy the loan conditions.
Answers for homebuyers in Citrus County.
Eligible households may receive up to $25,000 under the Purchase Assistance Program Without Rehabilitation. The award depends on need, income eligibility, funding priorities, and available funds.
It is a 0% deferred subordinate loan with a 15-year term. There are no scheduled monthly payments. The balance is forgiven at the end of 15 years if you meet the program conditions.
Limits vary by household size. For a four-person household in 2026, the very low-income limit is $39,900, the low-income limit is $63,850, and the moderate-income limit is $95,760.
This strategy is for an eligible existing home in Citrus County that meets housing-quality standards. Your first lender and the county must approve the property and financing.
No. Mobile and manufactured homes are excluded from this purchase-assistance strategy. Homes with in-ground swimming pools are also excluded.
This is the Purchase Assistance Program Without Rehabilitation. The home must meet the applicable condition and inspection standards; a separate rehabilitation award is not included in this program.
You need prequalification for an approved fixed-rate first mortgage. Your lender and Citrus County review the financing before final assistance approval.
A sale, transfer, loss of primary occupancy, or another default under your loan documents can trigger repayment before forgiveness. Review those terms with the county before closing.
Start with first-mortgage prequalification and prepare your household income and asset documents. Citrus County Housing Services reviews the assistance application and property requirements.
No. This is a private mortgage inquiry with Next Wave Mortgage, LLC. It does not replace the county's application, reserve funds, or guarantee assistance approval.
Start with a mortgage review and find out how purchase assistance could fit your budget. The county determines your award after reviewing household eligibility, the property, and available funds.
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