Florida SHIP Home Rehabilitation Program

Florida Housing Finance Corporation / Santa Rosa County

Available Home Repair

About This Program

State Housing Initiatives Partnership program providing forgivable loans for home rehabilitation to low-income homeowners in Santa Rosa County. Loan forgiven after 15 years of compliance or upon death/disability.

Forgivable loan for comprehensive rehabilitation; forgiven after 15 years of continued occupancy

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

Key Details

  • Forgivable loan up to $40,000
  • Income at or below 80% AMI
  • Covers major rehabilitation and accessibility modifications
  • Forgiven after 15 years or upon death/disability
  • Must be owner-occupied in Santa Rosa County

How to Apply

A grant-savvy contractor in Milton, 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 Milton 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: Rolling applications, subject to annual appropriation

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

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

Find More Programs in Milton, FL

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs