Florida SHIP (State Housing Initiatives Partnership) Program

About This Program

SHIP funds distributed to Orlando and Orange County create and preserve affordable homeownership through rehabilitation and repair assistance, funded by documentary stamp taxes. Local Housing Assistance Plans govern allocation for rehabilitation, disaster relief, and accessibility improvements. Many SHIP programs are structured as forgivable deferred loans that require no repayment if the homeowner stays in the home.

Amounts and terms vary by local LHAP; many programs are forgivable deferred loans converting to grants after a compliance period.

Key Details

• State-funded home repair assistance through local governments
• Available through City of Orlando and Orange County
• Generally up to 80–140% AMI depending on program type
• Forgivable deferred loans common; no monthly payments required
• Contact Orange County Housing at (407) 836-5150

How to Apply

Deadline: Varies by local program year; contact City of Orlando or Orange County SHIP administrator