Florida Housing Finance Corporation / City of Orlando / Orange County
Florida SHIP (State Housing Initiatives Partnership) Program is available to homeowners in Orlando, FL.
SHIP funds distributed to Orlando and Orange County create and preserve affordable homeownership through rehabilitation and repair assistance, funded by documentary stamp taxes. Local Housing Assistance Plans govern allocation for rehabilitation, disaster relief, and accessibility improvements. Many SHIP programs are structured as forgivable deferred loans that require no repayment if the homeowner stays in the home.
Amounts and terms vary by local LHAP; many programs are forgivable deferred loans converting to grants after a compliance period.
Data last verified 2026-04-03. How we verify our data.
In Orlando, FL, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Orlando, 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 Orlando early keeps your application moving.
Get matched with a contractorThis 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.
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: Varies by local program year; contact City of Orlando or Orange County SHIP administrator
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $75,000 (varies by local LHAP).
Florida SHIP (State Housing Initiatives Partnership) Program is open to homeowners in Orlando, FL.
Apply directly with Florida Housing Finance Corporation / City of Orlando / Orange County using the official program link on this page or call 407-836-5150. 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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