Monroe County HOME Rehabilitation Program

Monroe County / HUD HOME Funds

Available Home Repair

About This Program

Monroe County HOME Rehabilitation Program is available to homeowners in Key Largo, FL.

HUD HOME Investment Partnerships Program providing forgivable loans for owner-occupied rehabilitation in Monroe County. Loans forgiven after affordability period (typically 10 years) of continued owner occupancy and compliance.

Forgivable loan for major home rehabilitation; forgiven after 10 years

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

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

This is a national program. In Key Largo, FL, you can stack it with local programs like these:

Key Details

  • Forgivable loan up to $50,000 for rehab
  • Income at or below 80% AMI required
  • Covers major systems, structural repairs
  • Forgiven after 10 years of owner occupancy
  • Monroe County residents only

How to Apply

Get free help applying Visit Official Program Page Track this program

(305) 292-4467

A grant-savvy contractor in Key Largo, 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 Key Largo 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).
  • 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: Check with county for application periods

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 Monroe County HOME Rehabilitation Program provide in Key Largo, FL?

Up to $50,000 forgivable loan.

Who qualifies for Monroe County HOME Rehabilitation Program in Key Largo?

Monroe County HOME Rehabilitation Program is open to homeowners in Key Largo, FL. It prioritizes low-income households.

How do I apply for Monroe County HOME Rehabilitation Program in Key Largo, FL?

Apply directly with Monroe County / HUD HOME Funds using the official program link on this page or call (305) 292-4467. 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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