Florida Hometown Heroes income limits by county (2026)

Your household income must fall within your county’s limit to qualify. Limits vary by county and household size, and are higher in federally designated “targeted areas.” Find your county below — figures current as of May 6, 2026.

How to read this table

Non-Targeted

Applies to most areas of your county.

Targeted

Applies only if your property is in a Qualified Census Tract or Area of Chronic Economic Distress. These areas also waive the first-time buyer rule.

1–2 / 3+ person

Total household size — everyone 18 or older living in the home, even if they’re not on the loan.

Purchase price limit

Separate from income — your home’s price also has to fall under this number.

Not sure whether your property is in a targeted area? Your loan officer can check this for you before you go too far into the process.

All 67 Florida counties

County	Non-Targeted 1–2 person	Non-Targeted 3+ person	Targeted 1–2 person	Targeted 3+ person	Price limit Non-Targeted	Price limit Targeted
Alachua	$104,000	$119,600	$124,800	$145,600	$566,354	$692,211
Baker	$110,061	$126,570	$120,720	$140,840	$607,645	$742,678
Bay	$101,554	$116,788	$118,680	$138,460	$566,354	$692,211
Bradford	$98,700	$113,540	$118,440	$138,180	$566,354	$692,211
Brevard	$101,414	$116,627	$119,520	$139,440	$566,354	$692,211
Broward	$126,800	$145,820	$152,160	$177,520	$697,889	$852,976
Calhoun	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Charlotte	$102,034	$117,340	$118,440	$138,180	$566,354	$692,211
Citrus	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Clay	$108,700	$125,005	$130,440	$152,180	$607,645	$742,678
Collier	$145,200	$169,310	$145,200	$169,400	$800,166	$977,981
Columbia	$99,600	$116,200	$118,440	$138,180	$566,354	$692,211
DeSoto	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Dixie	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Duval	$108,700	$125,005	$130,440	$152,180	$607,645	$742,678
Escambia	$102,694	$118,099	$118,440	$138,180	$566,354	$692,211
Flagler	$104,300	$119,945	$125,160	$146,020	$566,354	$692,211
Franklin	$98,760	$115,220	$118,440	$138,180	$566,354	$692,211
Gadsden	$101,434	$116,650	$119,400	$139,300	$566,354	$692,211
Gilchrist	$104,000	$119,600	$124,800	$145,600	$566,354	$692,211
Glades	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Gulf	$103,320	$119,732	$118,440	$138,180	$566,354	$692,211
Hamilton	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Hardee	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Hendry	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Hernando	$114,700	$131,905	$137,640	$160,580	$566,354	$692,211
Highlands	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Hillsborough	$114,700	$131,905	$137,640	$160,580	$566,354	$692,211
Holmes	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Indian River	$102,300	$117,645	$122,760	$143,220	$566,354	$692,211
Jackson	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Jefferson	$101,434	$116,650	$119,400	$139,300	$566,354	$692,211
Lafayette	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Lake	$114,900	$132,135	$137,880	$160,860	$566,354	$692,211
Lee	$112,400	$129,260	$134,880	$157,360	$566,354	$692,211
Leon	$101,434	$116,650	$119,400	$139,300	$566,354	$692,211
Levy	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Liberty	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Madison	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Manatee	$114,100	$131,215	$136,920	$159,740	$572,751	$700,029
Marion	$100,800	$117,600	$118,440	$138,180	$566,354	$692,211
Martin	$114,856	$132,085	$122,880	$143,360	$631,710	$772,091
Miami-Dade	$136,200	$156,630	$143,640	$190,680	$697,889	$852,976
Monroe	$171,960	$200,620	$171,960	$200,620	$1,036,005	$1,266,228
Nassau	$108,700	$125,005	$130,440	$152,180	$607,645	$742,678
Okaloosa	$113,996	$131,096	$128,040	$149,380	$631,710	$772,091
Okeechobee	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Orange	$114,900	$132,135	$137,880	$160,860	$566,354	$692,211
Osceola	$114,900	$132,135	$137,880	$160,860	$566,354	$692,211
Palm Beach	$128,500	$147,775	$154,200	$179,900	$697,889	$852,976
Pasco	$114,700	$131,905	$137,640	$160,580	$566,354	$692,211
Pinellas	$114,700	$131,905	$137,640	$160,580	$566,354	$692,211
Polk	$103,874	$119,456	$118,440	$138,180	$566,354	$692,211
Putnam	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Santa Rosa	$102,694	$118,099	$118,440	$138,180	$566,354	$692,211
Sarasota	$114,100	$131,215	$136,920	$159,740	$572,751	$700,029
Seminole	$114,900	$132,135	$137,880	$160,860	$566,354	$692,211
St. Johns	$108,700	$125,005	$130,440	$152,180	$607,645	$742,678
St. Lucie	$114,856	$132,085	$122,880	$143,360	$631,710	$772,091
Sumter	$104,100	$119,715	$124,920	$145,740	$566,354	$692,211
Suwannee	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Taylor	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Union	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211
Volusia	$101,514	$116,742	$118,920	$138,740	$566,354	$692,211
Wakulla	$101,254	$116,443	$120,480	$140,560	$566,354	$692,211
Walton	$115,816	$133,189	$118,440	$138,180	$631,710	$772,091
Washington	$98,700	$113,505	$118,440	$138,180	$566,354	$692,211

Alachua

Non-Targeted, 1–2 person: $104,000
Non-Targeted, 3+ person: $119,600
Targeted, 1–2 person: $124,800
Targeted, 3+ person: $145,600
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Baker

Non-Targeted, 1–2 person: $110,061
Non-Targeted, 3+ person: $126,570
Targeted, 1–2 person: $120,720
Targeted, 3+ person: $140,840
Price limit, Non-Targeted: $607,645
Price limit, Targeted: $742,678

Bay

Non-Targeted, 1–2 person: $101,554
Non-Targeted, 3+ person: $116,788
Targeted, 1–2 person: $118,680
Targeted, 3+ person: $138,460
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Bradford

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,540
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Brevard

Non-Targeted, 1–2 person: $101,414
Non-Targeted, 3+ person: $116,627
Targeted, 1–2 person: $119,520
Targeted, 3+ person: $139,440
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Broward

Non-Targeted, 1–2 person: $126,800
Non-Targeted, 3+ person: $145,820
Targeted, 1–2 person: $152,160
Targeted, 3+ person: $177,520
Price limit, Non-Targeted: $697,889
Price limit, Targeted: $852,976

Calhoun

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Charlotte

Non-Targeted, 1–2 person: $102,034
Non-Targeted, 3+ person: $117,340
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Citrus

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Clay

Non-Targeted, 1–2 person: $108,700
Non-Targeted, 3+ person: $125,005
Targeted, 1–2 person: $130,440
Targeted, 3+ person: $152,180
Price limit, Non-Targeted: $607,645
Price limit, Targeted: $742,678

Collier

Non-Targeted, 1–2 person: $145,200
Non-Targeted, 3+ person: $169,310
Targeted, 1–2 person: $145,200
Targeted, 3+ person: $169,400
Price limit, Non-Targeted: $800,166
Price limit, Targeted: $977,981

Columbia

Non-Targeted, 1–2 person: $99,600
Non-Targeted, 3+ person: $116,200
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

DeSoto

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Dixie

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Duval

Non-Targeted, 1–2 person: $108,700
Non-Targeted, 3+ person: $125,005
Targeted, 1–2 person: $130,440
Targeted, 3+ person: $152,180
Price limit, Non-Targeted: $607,645
Price limit, Targeted: $742,678

Escambia

Non-Targeted, 1–2 person: $102,694
Non-Targeted, 3+ person: $118,099
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Flagler

Non-Targeted, 1–2 person: $104,300
Non-Targeted, 3+ person: $119,945
Targeted, 1–2 person: $125,160
Targeted, 3+ person: $146,020
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Franklin

Non-Targeted, 1–2 person: $98,760
Non-Targeted, 3+ person: $115,220
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Gadsden

Non-Targeted, 1–2 person: $101,434
Non-Targeted, 3+ person: $116,650
Targeted, 1–2 person: $119,400
Targeted, 3+ person: $139,300
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Gilchrist

Non-Targeted, 1–2 person: $104,000
Non-Targeted, 3+ person: $119,600
Targeted, 1–2 person: $124,800
Targeted, 3+ person: $145,600
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Glades

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Gulf

Non-Targeted, 1–2 person: $103,320
Non-Targeted, 3+ person: $119,732
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Hamilton

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Hardee

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Hendry

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Hernando

Non-Targeted, 1–2 person: $114,700
Non-Targeted, 3+ person: $131,905
Targeted, 1–2 person: $137,640
Targeted, 3+ person: $160,580
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Highlands

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Hillsborough

Non-Targeted, 1–2 person: $114,700
Non-Targeted, 3+ person: $131,905
Targeted, 1–2 person: $137,640
Targeted, 3+ person: $160,580
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Holmes

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Indian River

Non-Targeted, 1–2 person: $102,300
Non-Targeted, 3+ person: $117,645
Targeted, 1–2 person: $122,760
Targeted, 3+ person: $143,220
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Jackson

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Jefferson

Non-Targeted, 1–2 person: $101,434
Non-Targeted, 3+ person: $116,650
Targeted, 1–2 person: $119,400
Targeted, 3+ person: $139,300
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Lafayette

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Lake

Non-Targeted, 1–2 person: $114,900
Non-Targeted, 3+ person: $132,135
Targeted, 1–2 person: $137,880
Targeted, 3+ person: $160,860
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Lee

Non-Targeted, 1–2 person: $112,400
Non-Targeted, 3+ person: $129,260
Targeted, 1–2 person: $134,880
Targeted, 3+ person: $157,360
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Leon

Non-Targeted, 1–2 person: $101,434
Non-Targeted, 3+ person: $116,650
Targeted, 1–2 person: $119,400
Targeted, 3+ person: $139,300
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Levy

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Liberty

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Madison

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Manatee

Non-Targeted, 1–2 person: $114,100
Non-Targeted, 3+ person: $131,215
Targeted, 1–2 person: $136,920
Targeted, 3+ person: $159,740
Price limit, Non-Targeted: $572,751
Price limit, Targeted: $700,029

Marion

Non-Targeted, 1–2 person: $100,800
Non-Targeted, 3+ person: $117,600
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Martin

Non-Targeted, 1–2 person: $114,856
Non-Targeted, 3+ person: $132,085
Targeted, 1–2 person: $122,880
Targeted, 3+ person: $143,360
Price limit, Non-Targeted: $631,710
Price limit, Targeted: $772,091

Miami-Dade

Non-Targeted, 1–2 person: $136,200
Non-Targeted, 3+ person: $156,630
Targeted, 1–2 person: $143,640
Targeted, 3+ person: $190,680
Price limit, Non-Targeted: $697,889
Price limit, Targeted: $852,976

Monroe

Non-Targeted, 1–2 person: $171,960
Non-Targeted, 3+ person: $200,620
Targeted, 1–2 person: $171,960
Targeted, 3+ person: $200,620
Price limit, Non-Targeted: $1,036,005
Price limit, Targeted: $1,266,228

Nassau

Non-Targeted, 1–2 person: $108,700
Non-Targeted, 3+ person: $125,005
Targeted, 1–2 person: $130,440
Targeted, 3+ person: $152,180
Price limit, Non-Targeted: $607,645
Price limit, Targeted: $742,678

Okaloosa

Non-Targeted, 1–2 person: $113,996
Non-Targeted, 3+ person: $131,096
Targeted, 1–2 person: $128,040
Targeted, 3+ person: $149,380
Price limit, Non-Targeted: $631,710
Price limit, Targeted: $772,091

Okeechobee

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Orange

Non-Targeted, 1–2 person: $114,900
Non-Targeted, 3+ person: $132,135
Targeted, 1–2 person: $137,880
Targeted, 3+ person: $160,860
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Osceola

Non-Targeted, 1–2 person: $114,900
Non-Targeted, 3+ person: $132,135
Targeted, 1–2 person: $137,880
Targeted, 3+ person: $160,860
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Palm Beach

Non-Targeted, 1–2 person: $128,500
Non-Targeted, 3+ person: $147,775
Targeted, 1–2 person: $154,200
Targeted, 3+ person: $179,900
Price limit, Non-Targeted: $697,889
Price limit, Targeted: $852,976

Pasco

Non-Targeted, 1–2 person: $114,700
Non-Targeted, 3+ person: $131,905
Targeted, 1–2 person: $137,640
Targeted, 3+ person: $160,580
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Pinellas

Non-Targeted, 1–2 person: $114,700
Non-Targeted, 3+ person: $131,905
Targeted, 1–2 person: $137,640
Targeted, 3+ person: $160,580
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Polk

Non-Targeted, 1–2 person: $103,874
Non-Targeted, 3+ person: $119,456
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Putnam

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Santa Rosa

Non-Targeted, 1–2 person: $102,694
Non-Targeted, 3+ person: $118,099
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Sarasota

Non-Targeted, 1–2 person: $114,100
Non-Targeted, 3+ person: $131,215
Targeted, 1–2 person: $136,920
Targeted, 3+ person: $159,740
Price limit, Non-Targeted: $572,751
Price limit, Targeted: $700,029

Seminole

Non-Targeted, 1–2 person: $114,900
Non-Targeted, 3+ person: $132,135
Targeted, 1–2 person: $137,880
Targeted, 3+ person: $160,860
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

St. Johns

Non-Targeted, 1–2 person: $108,700
Non-Targeted, 3+ person: $125,005
Targeted, 1–2 person: $130,440
Targeted, 3+ person: $152,180
Price limit, Non-Targeted: $607,645
Price limit, Targeted: $742,678

St. Lucie

Non-Targeted, 1–2 person: $114,856
Non-Targeted, 3+ person: $132,085
Targeted, 1–2 person: $122,880
Targeted, 3+ person: $143,360
Price limit, Non-Targeted: $631,710
Price limit, Targeted: $772,091

Sumter

Non-Targeted, 1–2 person: $104,100
Non-Targeted, 3+ person: $119,715
Targeted, 1–2 person: $124,920
Targeted, 3+ person: $145,740
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Suwannee

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Taylor

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Union

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Volusia

Non-Targeted, 1–2 person: $101,514
Non-Targeted, 3+ person: $116,742
Targeted, 1–2 person: $118,920
Targeted, 3+ person: $138,740
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Wakulla

Non-Targeted, 1–2 person: $101,254
Non-Targeted, 3+ person: $116,443
Targeted, 1–2 person: $120,480
Targeted, 3+ person: $140,560
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Walton

Non-Targeted, 1–2 person: $115,816
Non-Targeted, 3+ person: $133,189
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $631,710
Price limit, Targeted: $772,091

Washington

Non-Targeted, 1–2 person: $98,700
Non-Targeted, 3+ person: $113,505
Targeted, 1–2 person: $118,440
Targeted, 3+ person: $138,180
Price limit, Non-Targeted: $566,354
Price limit, Targeted: $692,211

Figures shown are for Florida Housing’s Hometown Heroes BOND program, effective with reservations dated May 6, 2026 and later. USDA-eligible loans use slightly different limits in some counties — your loan officer will confirm which applies to your specific loan type.

Don't under-count

What counts toward your household income

People often search for the “salary limit” for this program, but the limit applies to total household income, not just your salary. Every adult living in the home counts — not just people on the loan. That includes a non-purchasing spouse and any other occupant 18 or older, even a roommate or adult child.

This trips people up more than almost anything else on this list, so it’s worth double-checking early with your loan officer rather than assuming only your paycheck counts.

Ready to see where you stand?

Confirm your county limit and the rest of the requirements with Ideal Lending LLC.

See if you qualify →Am I Eligible

Prefer to talk? Call (844) 994-3325