Putnam County Owner-Occupied Rehabilitation Program

Putnam County CDBG

Available Home Repair

About This Program

Putnam County Owner-Occupied Rehabilitation Program is available to homeowners in Palatka, FL.

Provides comprehensive home rehabilitation assistance to low-income owner-occupants in unincorporated Putnam County and participating municipalities. Loans are forgiven after 5 years of continued occupancy and compliance with program requirements.

Forgivable loan amount based on scope of needed repairs and income

Official source site checked live on 2026-06-22.

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

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

Key Details

  • Forgivable loan for major home repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Putnam County
  • Forgiven after 5 years of occupancy
  • Covers structural, roofing, plumbing, electrical

How to Apply

Get free help applying Visit Official Program Page Track this program

(386) 329-0205

A grant-savvy contractor in Palatka, 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 Palatka 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, subject to annual funding cycles

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 Putnam County Owner-Occupied Rehabilitation Program provide in Palatka, FL?

Forgivable loan up to $35,000.

Who qualifies for Putnam County Owner-Occupied Rehabilitation Program in Palatka?

Putnam County Owner-Occupied Rehabilitation Program is open to homeowners in Palatka, FL. It prioritizes low-income households.

How do I apply for Putnam County Owner-Occupied Rehabilitation Program in Palatka, FL?

Apply directly with Putnam County CDBG using the official program link on this page or call (386) 329-0205. 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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