Hillsborough County SHIP Program

Hillsborough County Affordable Housing Services

Available Home Repair

About This Program

Hillsborough County SHIP Program is available to homeowners in Lutz, FL.

State Housing Initiatives Partnership program providing home rehabilitation assistance to low- and moderate-income homeowners in Hillsborough County. Funds may be used for critical repairs including roofing, HVAC, plumbing, electrical, and structural work.

Forgivable loan covering up to $50,000 in eligible repairs, forgiven over 10 years

Official program page checked live on 2026-06-22.

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

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

Key Details

  • Forgivable loan up to $50,000 for home repairs
  • Income up to 140% AMI may qualify
  • Must be owner-occupied in Hillsborough County
  • Forgiven over 10-year affordability period
  • Covers roofing, HVAC, plumbing, electrical, structural

How to Apply

Get free help applying Visit Official Program Page Track this program

(813) 272-5860

A grant-savvy contractor in Lutz, 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 Lutz 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, funding permitting

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 Hillsborough County SHIP Program provide in Lutz, FL?

Up to $50,000.

Who qualifies for Hillsborough County SHIP Program in Lutz?

Hillsborough County SHIP Program is open to homeowners in Lutz, FL.

How do I apply for Hillsborough County SHIP Program in Lutz, FL?

Apply directly with Hillsborough County Affordable Housing Services using the official program link on this page or call (813) 272-5860. 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 Lutz, FL contractors

Find More Programs in Lutz, FL

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

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