Miami-Dade County SHIP Home Repair

Miami-Dade Housing & Community Development / Florida Housing Finance Corporation

Available Home Repair

About This Program

Miami-Dade County SHIP Home Repair is available to homeowners in Miami, FL.

The State Housing Initiatives Partnership (SHIP) program distributes documentary-stamp tax revenue to all 67 Florida counties for homeowner rehabilitation. Miami-Dade's Local Housing Assistance Plan (FY 2025-2028) prioritizes very-low and low-income households (up to 80% AMI) for emergency repairs and full rehabilitation, with moderate-income households (up to 120% AMI) eligible for remaining funds. Minimum 30% of funds are reserved for very-low-income households.

Assistance is typically a forgivable deferred loan; amount depends on scope of work and current LHAP cycle. Call 786-469-4100 for current caps.

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

Data last verified 2026-04-03. How we verify our data.

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

Key Details

  • Funds emergency repairs, full rehabilitation, weatherization, and energy upgrades
  • Very-low income (≤50% AMI): at least 30% of funds reserved
  • Low-income (≤80% AMI): additional 30% reserved
  • Moderate-income (≤120% AMI): eligible for remaining funds
  • Administered through Miami-Dade Housing and Community Development

How to Apply

Get free help applying Visit Official Program Page Track this program

786-469-4100

A grant-savvy contractor in Miami, 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 Miami early keeps your application moving.

Get matched with a contractor

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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • 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, contact HCD for current intake

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Miami-Dade County SHIP Home Repair provide in Miami, FL?

Up to ~$40,000 (varies by LHAP cycle).

Who qualifies for Miami-Dade County SHIP Home Repair in Miami?

Miami-Dade County SHIP Home Repair is open to homeowners in Miami, FL. It serves seniors.

How do I apply for Miami-Dade County SHIP Home Repair in Miami, FL?

Apply directly with Miami-Dade Housing & Community Development / Florida Housing Finance Corporation using the official program link on this page or call 786-469-4100. There is no middleman and no fee.

Need a Contractor for This Grant?

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