First-Time Homebuyer Program

The City of Palm Coast’s First-Time Homebuyer Program helps eligible residents take the first step toward owning a home by offering financial assistance and education resources to support long-term success.

Through this program, qualifying first-time buyers may receive up to $35,000 in financial assistance to help offset eligible home purchase costs. Income limits apply, and all applicants are required to complete free homebuyer education courses provided by a HUD-certified Housing Counseling Agency. These courses include a First-Time Homebuyer class and a Credit and Credit Scoring workshop, both designed to prepare participants for responsible homeownership. After completing the courses and receiving a certificate, applicants must submit a pre-screening form through the Mid-Florida Housing Partnership to begin the eligibility review process.

First-Time Homebuyer Program Checklist

To be considered for the City of Palm Coast’s First-Time Homebuyer Program, applicants must:

• Be a first-time homebuyer
• Meet program income eligibility limits
• Complete a free First-Time Homebuyer education course
• Complete a Credit and Credit Scoring workshop
• Take both courses through a HUD-certified Housing Counseling Agency
• Receive a certificate of completion for the required courses
• Submit a pre-screening form to the Mid-Florida Housing Partnership

Mid-Florida Housing Partnership
📞 386-274-4441
🌐 www.mfph.org