State Housing Initiatives, Palm Beach Gardens, FL

Q: How do I apply for State Housing Initiatives Partnership (SHIP) Repair Program in Palm Beach Gardens, FL?

Apply directly with Florida Housing Finance Corporation / Palm Beach County using the official program link on this page or call (561) 233-3600. There is no middleman and no fee.

About This Program

State Housing Initiatives Partnership (SHIP) Repair Program is available to homeowners in Palm Beach Gardens, FL.

State-funded program administered by Palm Beach County providing home repair assistance for very low, low, and moderate-income owner-occupied households. Loan is forgiven after 15 years of continued owner-occupancy or may be forgiven sooner for elderly or disabled homeowners.

Forgivable loan based on repair needs, forgiven after 15 years

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

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

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

FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs

Key Details

Forgivable loan up to $50,000 for home repairs
Income up to 140% AMI may qualify
Must be owner-occupied in Palm Beach County
Forgiven after 15 years of occupancy
Priority for elderly and disabled homeowners

How to Apply

Get free help applying Visit Official Program Page Track this program

(561) 233-3600

A grant-savvy contractor in Palm Beach Gardens, 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 Palm Beach Gardens 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 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: Applications accepted year-round

Questions about this program?

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

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State Housing Initiatives Partnership (SHIP) Repair Program

About This Program

Key Details

How to Apply

Your application paperwork

Questions about this program?

Frequently asked questions

Need a Contractor for This Grant?

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