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State Housing Initiatives Partnership Program

Florida

Available Assistance

The SHIP program provides income-eligible applicants up to 10 percent of the purchase price (a maximum award of $15,000), in the form of a zero-interest loan. The total loan amount is due for repayment only if the home is sold, becomes rental housing, or is no longer serves as the borrower’s primary residence.

Eligibility Requirements

In order to be considered eligible for the SHIP Program, all borrowers must meet certain requirements. The program is only available to first-time homebuyers (those who have not owned a home within the last three years) who have been living or working in Charlotte County for six months prior to applying. Applicants must have a first mortgage debt-to-income ratio no higher than 30 percent, and a total debt-to-income ratio (excluding basic utilities) not exceeding 40 percent. Borrowers are also responsible for contributing a minimum of $500 from their own funds toward the down payment, and for completing a homebuyer’s education program.

Property Guidelines

Any property being purchased with program funds must be owner-occupied and can be located anywhere in Charlotte County, including Port Charlotte, Punta Gorda, and Englewood. Funds may be used to purchase a new or existing single-family home or qualified condominium, under the program’s maximum purchase price, $253,809. Mobile homes are ineligible.

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