Polk County Housing & Community Development
Polk County SHIP (State Housing Initiatives Partnership) is available to homeowners in Lakeland, FL.
Provides down payment and closing cost assistance to low and moderate income first-time homebuyers in Polk County. Assistance is typically a deferred forgivable loan that is forgiven after a specified occupancy period. Homebuyer education required.
Forgivable loan for down payment and closing costs, forgiven after compliance period
Official source site checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Lakeland, FL, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Lakeland, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
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 during open enrollment periods
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $15,000 assistance.
Polk County SHIP (State Housing Initiatives Partnership) is open to homeowners in Lakeland, FL. It prioritizes low-income households.
Apply directly with Polk County Housing & Community Development using the official program link on this page or call (863) 534-6960. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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