Polk County SHIP Owner-Occupied Rehabilitation

Polk County Housing & Community Development

Available Home Repair

About This Program

Polk County's State Housing Initiatives Partnership (SHIP) program provides rehabilitation loans to low-income homeowners for necessary repairs and improvements. Loan is forgiven after 5 years of continued occupancy.

Forgivable loan amount determined by scope of work and income

Key Details

  • Up to $35,000 forgivable loan for home repairs
  • Income at or below 80% AMI required
  • Forgiven after 5 years of occupancy
  • Covers major systems and structural repairs
  • Must be owner-occupied in Polk County

How to Apply

A grant-savvy contractor in Haines City, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Applications accepted year-round, subject to funding

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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