Florida State Housing Initiatives Partnership (SHIP) - Rehabilitation

Florida Housing Finance Corporation / Sarasota County

Available Home Repair

About This Program

Florida State Housing Initiatives Partnership (SHIP) - Rehabilitation is available to homeowners in North Port, FL.

State-funded local rehabilitation program for moderate-income homeowners in Sarasota County. Provides forgivable loans for substantial home improvements, forgiven after 15 years of owner occupancy.

Forgivable loan forgiven at 1/15th per year of continued occupancy

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

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

Key Details

  • Forgivable loan up to $75,000 for major rehabilitation
  • Income at or below 120% AMI required
  • Must be owner-occupied for 15 years for full forgiveness
  • Covers substantial structural and system improvements
  • Available throughout Sarasota County

How to Apply

Get free help applying Visit Official Program Page Track this program

(941) 861-5000

A grant-savvy contractor in North Port, 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 North Port 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: Applications accepted year-round, subject to funding

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) - Rehabilitation provide in North Port, FL?

Forgivable loan up to $75,000.

Who qualifies for Florida State Housing Initiatives Partnership (SHIP) - Rehabilitation in North Port?

Florida State Housing Initiatives Partnership (SHIP) - Rehabilitation is open to homeowners in North Port, FL.

How do I apply for Florida State Housing Initiatives Partnership (SHIP) - Rehabilitation in North Port, FL?

Apply directly with Florida Housing Finance Corporation / Sarasota County using the official program link on this page or call (941) 861-5000. 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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