Florida SHIP Owner-Occupied Rehab
Florida Housing Finance Corporation (FHFC)
About This Program
The Grant Map catalogs Florida SHIP Owner-Occupied Rehab in its Palm Bay, FL research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
State Housing Initiatives Partnership (SHIP) funds administered locally for owner-occupied rehabilitation. Provides forgivable loans for major repairs to homes of low and moderate-income homeowners in Palm Bay. Loan forgiven after affordability period.
Forgivable loan based on rehab needs, amount shown is typical
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Palm Bay, FL, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Forgivable loan up to $50,000 for major repairs
- Income at or below 140% AMI may qualify
- Must be owner-occupied in Palm Bay
- Forgiven after affordability period (typically 5-15 years)
- Administered locally by City of Palm Bay
How to Apply
Source check inconclusive. Our automated check on could not determine whether the cited page responds. The page is not marked unavailable; opening it does not verify the program, amount, eligibility, or availability.
Track this programProgram phone: (321) 952-3410
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Palm Bay.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Contact local administrator for current availability
Questions about this program?
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Frequently asked questions
What amount is listed for Florida SHIP Owner-Occupied Rehab in Palm Bay, FL?
The Grant Map record states: Up to $50,000 forgivable loan. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Florida SHIP Owner-Occupied Rehab in Palm Bay?
The directory record carries audience tags for homeowners. It also carries a low-income tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for Florida SHIP Owner-Occupied Rehab in Palm Bay, FL?
Confirm the application route directly with Florida Housing Finance Corporation (FHFC); use the cited source on this page as a starting point or call (321) 952-3410. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Palm Bay, FL
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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