Florida SHIP Housing Rehabilitation

Florida Housing Finance Corporation / Lee County

Available Home Repair

About This Program

Florida SHIP Housing Rehabilitation is available to homeowners in Cape Coral, FL.

State Housing Initiatives Partnership (SHIP) program administered by Lee County provides home rehabilitation grants and deferred loans for very low-income homeowners. Funds cover major repairs, accessibility modifications, and code compliance.

Award amount based on household income and necessary repairs

Official source site checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

In Cape Coral, FL, you can combine this program with other local help to cut your cost:

Key Details

  • Rehabilitation grants and deferred loans up to $75,000
  • Income at or below 50% AMI required
  • Must be owner-occupied in Lee County
  • Priority for seniors and persons with disabilities
  • Covers major structural repairs and accessibility

How to Apply

Get free help applying Visit Official Program Page Track this program

(239) 533-8787

A grant-savvy contractor in Cape Coral, 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 Cape Coral early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • 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).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted year-round subject to funding

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can Florida SHIP Housing Rehabilitation provide in Cape Coral, FL?

Up to $75,000 for owner-occupied rehab.

Who qualifies for Florida SHIP Housing Rehabilitation in Cape Coral?

Florida SHIP Housing Rehabilitation is open to homeowners in Cape Coral, FL. It prioritizes low-income households. It serves seniors.

How do I apply for Florida SHIP Housing Rehabilitation in Cape Coral, FL?

Apply directly with Florida Housing Finance Corporation / Lee County using the official program link on this page or call (239) 533-8787. There is no middleman and no fee.

Need a Contractor for This Grant?

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

Get matched with a pro, free Browse Cape Coral, FL contractors

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