Thinking about buying your first home? You may qualify for special savings through:
These programs can make homeownership more affordable — especially for service members, teachers, first responders, and healthcare workers.
“I assumed homeownership was years away because I didn’t have extra cash saved. I was surprised to learn there were options to help with closing costs. Talking it through made everything feel possible again.”
— First-time homebuyer, Jacksonville
Not everyone fits into a special program — and that’s okay. Most renters who become homeowners do it the same way: by paying rent on time, working hard, and steadily moving forward.
If you’ve been covering rent, utilities, and everyday responsibilities, you’re already doing the hardest part of homeownership. The path isn’t reserved for heroes — it’s built for people who show up and keep going.
Many first-time buyers are surprised to learn that help may also be available through first-time homebuyer grants and seller concessions that can reduce or offset closing costs. These options aren’t tied to job titles — they’re explored based on your situation, timing, and the home you choose.
In Jacksonville and Duval County, there are also local first-time homebuyer assistance programs that may help with down payment and closing costs. One example is the City of Jacksonville’s Head Start to Homeownership program.
Program availability and eligibility vary, but this is real, local assistance — not tied to job titles — and often surprises renters when they learn what may be available.
Learn more about Jacksonville first-time homebuyer assistance →
You work hard for stability and dignity. Owning your home can support both — financially, emotionally, and physically. Use the quick estimator below to see an affordable monthly mortgage payment from your income, then connect with Bryon for your next step.
Enter your monthly gross income. We’ll estimate a conservative payment using typical front-end DTI guidelines.
No obligation — I’ll tell you honestly if buying makes sense right now.
This is a quick estimate for an all-in monthly housing payment target (principal, interest, taxes, insurance, HOA). Lender guidelines vary; Bryon will tailor this to your situation.