Miami-Dade County SHIP Home Repair

About This Program

The State Housing Initiatives Partnership (SHIP) program distributes documentary-stamp tax revenue to all 67 Florida counties for homeowner rehabilitation. Miami-Dade's Local Housing Assistance Plan (FY 2025-2028) prioritizes very-low and low-income households (up to 80% AMI) for emergency repairs and full rehabilitation, with moderate-income households (up to 120% AMI) eligible for remaining funds. Minimum 30% of funds are reserved for very-low-income households.

Assistance is typically a forgivable deferred loan; amount depends on scope of work and current LHAP cycle. Call 786-469-4100 for current caps.

Key Details

• Funds emergency repairs, full rehabilitation, weatherization, and energy upgrades
• Very-low income (≤50% AMI): at least 30% of funds reserved
• Low-income (≤80% AMI): additional 30% reserved
• Moderate-income (≤120% AMI): eligible for remaining funds
• Administered through Miami-Dade Housing and Community Development

How to Apply

Deadline: Rolling — contact HCD for current intake