Florida SHIP (State Housing Initiatives Partnership) Program

About This Program

SHIP funds are distributed to Tampa and Hillsborough County to create and preserve affordable homeownership through rehabilitation and repair assistance, funded by documentary stamp taxes. Local Housing Assistance Plans (LHAPs) govern allocation for rehabilitation, disaster relief, and accessibility improvements. Amounts and terms vary; many programs are structured as forgivable deferred loans.

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 Tampa and Hillsborough County
• Generally up to 80–140% AMI depending on program type
• Forgivable deferred loans common; no monthly payments required
• Contact local housing office for current availability

How to Apply

Deadline: Varies by local program year; contact local SHIP administrator