Homebuyer Programs in Jupiter, FL (2026)
Jupiter is a coastal town in northern Palm Beach County known for its beaches, nature preserves, and high quality of life, with a median home price around $625,000. While Jupiter does not offer its own city-level down payment assistance for home purchases, buyers here benefit from robust Palm Beach County programs. The Palm Beach County SHIP Purchase Assistance Program offers up to $100,000 as a forgivable loan, and the HOME First-Time Homebuyer Program provides up to $100,000 as a zero-interest 30-year deferred loan. The Homebuyer Match Pilot Program adds up to $50,000 in grant funding, and the Housing Finance Authority provides up to $17,500 in closing cost assistance. At the state level, the Florida Hometown Heroes Program offers up to $35,000 for eligible frontline workers. By combining county, state, and federal programs, eligible buyers in Jupiter can stack significant assistance toward homeownership in this desirable coastal community.
Top Homebuyer Programs in Jupiter
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Palm Beach County HOME First-Time Homebuyer Program | Deferred Loan | Up to $100,000 | Yes | View → |
| Palm Beach County Homebuyer Match Pilot Program | Grant | Up to $50,000 | Yes | View → |
| Palm Beach County Housing Finance Authority Homebuyer Program | Deferred Loan | Up to $17,500 | Yes | View → |
| Palm Beach County Mortgage Credit Certificate Program | Tax Credit | Up to $2,000 per year in federal tax credits | Yes | View → |
| Palm Beach County SHIP Purchase Assistance Program | Forgivable Loan | Up to $100,000 | Yes | View → |
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
| Habitat for Humanity of Greater Palm Beach County Homeownership Program | Zero-Interest Loan | Affordable mortgage with 0% interest | No | View → |
| Florida Assist (FL Assist) Second Mortgage Program | Deferred Loan | Up to $10,000 | Yes | View → |
| Florida HFA Preferred and Advantage PLUS Program | Forgivable Loan | 3%, 4%, or 5% of the first mortgage loan amount | Yes | View → |
| Florida Hometown Heroes Housing Program | Deferred Loan | Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $100,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $50,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $17,500
- First-time only:
- Yes
- Type:
- Tax Credit
- Amount:
- Up to $2,000 per year in federal tax credits
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $100,000
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with 0% interest
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3%, 4%, or 5% of the first mortgage loan amount
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000
- First-time only:
- Yes
How to Apply
- Step 1:
Check your eligibility. Income limits vary by program. The Palm Beach County SHIP program covers households up to 140% of Area Median Income ($136,360 for a family of 4). The HOME program is capped at 80% AMI ($93,500 for a family of 4). The Housing Finance Authority and Homebuyer Match Pilot programs have their own income thresholds.
- Step 2:
Complete homebuyer education. Most Palm Beach County programs require at least 8 hours of HUD-approved homebuyer education. The Urban League of Palm Beach County is a HUD-approved counseling agency serving the area. Contact them at (561) 833-1461. Consolidated Credit also offers HUD-approved homebuyer education courses available to Palm Beach County residents.
- Step 3:
Attend county orientations. The Palm Beach County SHIP and HOME programs require attendance at two county orientations before you can apply. Check the Palm Beach County Department of Housing and Economic Development website for upcoming orientation dates.
- Step 4:
Get pre-approved for a mortgage. Work with a Florida Housing-approved lender or a Palm Beach County Housing Finance Authority-approved lender to get pre-approved. This is required before applying for most assistance programs.
- Step 5:
Find a home within program limits. The HOME program has a purchase price limit of $568,557. Given Jupiter's median home price of $625,000, buyers may need to target properties below program caps. Condos, townhomes, and smaller single-family homes in Jupiter can fall within these limits.
- Step 6:
Submit your applications during open windows. The HOME program accepts applications during limited seasonal windows that fill quickly. The SHIP program and Homebuyer Match Pilot also have periodic application periods. Monitor the Palm Beach County Housing and Economic Development website closely and apply as soon as windows open.