Palm Beach County SHIP Owner-Occupied Housing Rehabilitation

Palm Beach County Housing & Community Development / Florida Housing Finance Corporation

Available Home Repair

About This Program

Palm Beach County SHIP Owner-Occupied Housing Rehabilitation is available to homeowners in Delray Beach South, FL.

State Housing Initiatives Partnership (SHIP) program providing forgivable loans for major home repairs to low and very low-income homeowners in Palm Beach County. Loan forgiven after 15 years of continued owner occupancy.

Forgivable loan based on scope of repairs, no repayment if you remain in home 15 years

Verified against Palm Beach County Housing & Community Development / Florida Housing Finance Corporation's official page on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

In Delray Beach South, FL, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $75,000 for major repairs
  • Income at or below 80% AMI required
  • Forgiven after 15 years of owner occupancy
  • Covers roofing, HVAC, plumbing, electrical, structural
  • Rolling applications accepted

How to Apply

Get free help applying Visit Official Program Page Track this program

(561) 233-3600

A grant-savvy contractor in Delray Beach South, 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 Delray Beach South 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).
  • 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).
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: Rolling applications, subject to funding availability

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 Palm Beach County SHIP Owner-Occupied Housing Rehabilitation provide in Delray Beach South, FL?

Up to $75,000 forgivable loan.

Who qualifies for Palm Beach County SHIP Owner-Occupied Housing Rehabilitation in Delray Beach South?

Palm Beach County SHIP Owner-Occupied Housing Rehabilitation is open to homeowners in Delray Beach South, FL. It prioritizes low-income households.

How do I apply for Palm Beach County SHIP Owner-Occupied Housing Rehabilitation in Delray Beach South, FL?

Apply directly with Palm Beach County Housing & Community Development / Florida Housing Finance Corporation using the official program link on this page or call (561) 233-3600. 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.

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