Florida State Housing Initiatives Partnership (SHIP)

Volusia County Housing & Grants / Florida Housing Finance Corporation

Available Home Repair

About This Program

Florida State Housing Initiatives Partnership (SHIP) is available to homeowners in New Smyrna Beach, FL.

State-funded program administered by Volusia County providing grants and low-interest loans for owner-occupied rehabilitation, new construction, and disaster mitigation. Priority for very low-income households, seniors, veterans, and persons with disabilities.

Grant or forgivable loan amount based on household income and repair scope

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

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

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

Key Details

  • Up to $75,000 for owner-occupied rehab
  • Income at or below 80% AMI required
  • Priority for seniors, veterans, disabled
  • Covers major repairs and accessibility
  • Forgiven after affordability period

How to Apply

Get free help applying Visit Official Program Page Track this program

(386) 736-5955

A grant-savvy contractor in New Smyrna Beach, 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 New Smyrna Beach 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).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-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 applications, subject to annual allocation

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 Florida State Housing Initiatives Partnership (SHIP) provide in New Smyrna Beach, FL?

Up to $75,000 based on need.

Who qualifies for Florida State Housing Initiatives Partnership (SHIP) in New Smyrna Beach?

Florida State Housing Initiatives Partnership (SHIP) is open to homeowners in New Smyrna Beach, FL. It prioritizes low-income households. It serves seniors. It serves veterans and military families.

How do I apply for Florida State Housing Initiatives Partnership (SHIP) in New Smyrna Beach, FL?

Apply directly with Volusia County Housing & Grants / Florida Housing Finance Corporation using the official program link on this page or call (386) 736-5955. 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 New Smyrna Beach, FL contractors

Find More Programs in New Smyrna Beach, FL

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