Monroe County SHIP Program

Monroe County / Florida Housing Finance Corporation

Available Home Repair

About This Program

State Housing Initiatives Partnership program providing forgivable loans for home rehabilitation and repair in Monroe County. Loans are forgiven after 15 years of owner occupancy and compliance with program requirements.

Maximum forgivable loan amount for owner-occupied rehabilitation

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan up to $100,000 for major repairs
  • Income at or below 80% AMI required
  • Must maintain owner occupancy for 15 years
  • Covers structural, roofing, electrical, plumbing
  • Annual application cycles through Monroe County

How to Apply

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Key Largo early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Annual funding cycles, apply by June 30, 2025

Questions about this program?

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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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