Official Assistance Info St. Lucie / Martin Consortium
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St. Lucie County Attainable Housing Grant

Receive up to $2,500 in grant funds for closing costs. No repayment required. Not cash back—applied at closing.

See If You Qualify

What is the Attainable Housing Grant?

The St. Lucie Charitable Foundation (Broward, Palm Beaches & St. Lucie REALTORS®) offers this grant to address housing needs in St. Lucie County. It provides eligible homebuyers with up to $2,500 to cover essential transaction costs.

Important: Funds are paid directly to the closing transaction, not as cash to the buyer. Closing must occur within 60 days of approval.

Target Audience

Who Is This Program Designed For?

The Foundation's goal is to serve all residents of St. Lucie County, helping to bridge the gap between renting and homeownership.

Essential Workers

Past recipients have included professionals in education, law enforcement, and medical services. While not a requirement, the program supports those who serve our community.

Aspiring Homeowners

Perfect for renters who can afford a monthly mortgage but need a financial boost to cover closing costs like title fees, inspections, and insurance.

St. Lucie Residents

Available to all eligible residents purchasing a primary home within St. Lucie County. There is no requirement to use a specific Realtor.

Core Eligibility Requirements

To qualify for the grant, you must meet all of the following criteria:

  • Primary Residence in St. Lucie County You must have a fully signed (bilateral) contract to purchase a home in St. Lucie County that will be your primary residence.
  • Verifiable Income You must be employed or show verifiable income sources.
  • No Other Property Ownership You cannot own other property, in whole or in part, including through a business or other arrangement.
  • Income Within Limits Your household income must be under the Florida First (Bond) program caps.

2026 Grant Income Limits

Florida First (Bond) Guidelines

Based on total household size. Amounts are strict caps.

Household Size Maximum Income
1 - 2 Persons $100,989
3+ Persons $116,138
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What Can The Money Be Used For?

The grant covers specific transaction costs listed in the program guidelines:

Credit Report
Homeowner’s Insurance
Home Inspection
Title Fees
Hurricane Shutters
Survey
Recording Fees
Doc Stamps

Required Documentation

Be prepared to submit a full document stack, including:

  • Pre-approval letter & Loan Application (1003)
  • Signed Loan Estimate
  • Proof of employment (Paystubs, W-2s, Tax Returns)
  • 2 months of bank statements
  • Executed Bilateral Contract
Deadline Warning: Application must be received at least 21 business days before closing, or it is automatically denied.

Application & Closing Timeline

The process is strictly timed to ensure efficient funding distribution. Here is what to expect.

1. Contract & Preparation

Secure a fully signed purchase contract for a St. Lucie County primary residence. Gather your loan documents and income verification.

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2. Submit Application

Submit your complete application package at least 21 business days before your closing date. Incomplete applications are not processed.

3. Review & Approval

The Foundation's Board reviews the application. You cannot own any other property. Once approved, you enter the closing window.

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4. Funding & Closing

Closing must occur within 60 days of approval. Funds are sent directly to the closing transaction to cover your costs.

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Frequently Asked Questions

What is the St. Lucie County Attainable Housing Grant?
It is a grant program from the St. Lucie Charitable Foundation providing up to $2,500 in closing cost assistance to eligible homebuyers purchasing a primary residence in St. Lucie County.
Do I have to pay back the $2,500 grant?
No. The funds are a true grant, not a loan. Repayment is not required.
Can I receive the grant funds as cash back at closing?
No. The funds must be applied directly to the closing transaction expenses (like title fees, insurance, or inspections) and cannot be issued as cash to the buyer.
What are the income limits for the St. Lucie grant program?
The program uses Florida First (Bond) income limits. Currently, the maximum household income is $100,989 for 1-2 person households and $116,138 for households of 3 or more people.
Do I need to be a first-time homebuyer?
The program materials do not explicitly state a first-time homebuyer requirement, but you cannot own any other property (in whole or in part) at the time of purchase.
Do I have to use a specific Realtor?
No. The program explicitly states there is no obligation to work with any specific Realtor or association member. You are free to choose your own representation.
When must I apply for the grant?
Applications must be received at least 21 business days before your closing date. Late applications are automatically denied.
What if my closing is delayed?
You are expected to close within 60 days of approval. If you need more time, you must submit a written extension request, otherwise you may need to re-apply.

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