St. Lucie County SHIP Rehabilitation Program

St. Lucie County (Florida SHIP)

Available Home Repair

About This Program

St. Lucie County SHIP Rehabilitation Program is available to homeowners in Fort Pierce, FL.

State Housing Initiatives Partnership (SHIP) funded rehabilitation program for income-eligible homeowners in St. Lucie County. Provides forgivable loans for major home repairs and improvements, forgiven over 10-15 years of continued occupancy.

Forgivable loan for major rehabilitation, forgiven over 10-15 years of occupancy

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

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

Key Details

  • Forgivable loan up to $75,000
  • Income at or below 140% AMI
  • Forgiven over 10-15 years of occupancy
  • Covers major repairs and rehabilitation
  • St. Lucie County residents including Fort Pierce

How to Apply

Get free help applying Visit Official Program Page Track this program

(772) 462-1765

A grant-savvy contractor in Fort Pierce, 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 Fort Pierce 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: Applications accepted year-round

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 St. Lucie County SHIP Rehabilitation Program provide in Fort Pierce, FL?

Forgivable loan up to $75,000.

Who qualifies for St. Lucie County SHIP Rehabilitation Program in Fort Pierce?

St. Lucie County SHIP Rehabilitation Program is open to homeowners in Fort Pierce, FL. It prioritizes low-income households.

How do I apply for St. Lucie County SHIP Rehabilitation Program in Fort Pierce, FL?

Apply directly with St. Lucie County (Florida SHIP) using the official program link on this page or call (772) 462-1765. 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 Fort Pierce, FL contractors

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This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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