Flagler County SHIP Home Repair

Flagler County Housing Services / Florida Housing

Available Home Repair

About This Program

Flagler County SHIP Home Repair is available to homeowners in Palm Coast, FL.

State Housing Initiatives Partnership (SHIP) program providing home repair assistance to low-income homeowners in Flagler County. Grants or deferred-payment loans for critical repairs, accessibility modifications, and health/safety improvements. Priority for elderly and disabled residents.

Award amount and structure depend on income level and project scope

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

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

Key Details

  • Grants or forgivable loans up to $25,000
  • Income at or below 80% AMI
  • Priority for seniors and persons with disabilities
  • Covers roofing, HVAC, plumbing, accessibility
  • Rolling applications, subject to funding

How to Apply

Get free help applying Visit Official Program Page Track this program

(386) 313-4075

A grant-savvy contractor in Palm Coast, 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 Coast 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: Rolling applications

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 Flagler County SHIP Home Repair provide in Palm Coast, FL?

Up to $25,000 grant or loan.

Who qualifies for Flagler County SHIP Home Repair in Palm Coast?

Flagler County SHIP Home Repair is open to homeowners in Palm Coast, FL. It prioritizes low-income households. It serves seniors.

How do I apply for Flagler County SHIP Home Repair in Palm Coast, FL?

Apply directly with Flagler County Housing Services / Florida Housing using the official program link on this page or call (386) 313-4075. 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 Palm Coast, FL contractors

Find More Programs in Palm Coast, FL

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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