Florida SHIP Owner-Occupied Rehabilitation

Florida Housing Finance Corporation / Monroe County

Available Home Repair

About This Program

State Housing Initiatives Partnership (SHIP) program provides forgivable loans for owner-occupied rehabilitation in Monroe County. Loan forgiven after 15 years of continued occupancy. Eligible repairs include structural, roofing, mechanical systems, and code compliance.

Forgivable loan amount based on repair needs assessment, no repayment if occupancy maintained

Key Details

  • Forgivable loan up to $75,000 for major repairs
  • Income at or below 140% AMI required
  • Must be owner-occupied in Monroe County
  • Forgiven after 15 years of continued occupancy
  • Covers structural, roofing, mechanical, code compliance

How to Apply

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

Deadline: Applications accepted quarterly, contact Monroe County

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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