Charlotte County SHIP Down Payment Assistance

Charlotte County Housing Services (SHIP)

Available Down Payment

About This Program

Charlotte County SHIP Down Payment Assistance is available to homeowners in Port Charlotte, FL.

State Housing Initiatives Partnership (SHIP) program providing down payment and closing cost assistance to first-time homebuyers purchasing in Charlotte County. Funds provided as a deferred, zero-interest loan.

Deferred loan; forgiven after 15 years of owner occupancy

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

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

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

Key Details

  • Up to $30,000 for down payment and closing costs
  • Income at or below 140% AMI required
  • Must be first-time homebuyer in Charlotte County
  • Zero-interest deferred loan, forgiven after 15 years
  • Homebuyer education required

How to Apply

Get free help applying Visit Official Program Page Track this program

(941) 743-1371

A grant-savvy contractor in Port Charlotte, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

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).
  • 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 Charlotte County SHIP Down Payment Assistance provide in Port Charlotte, FL?

Up to $30,000 down payment assistance.

Who qualifies for Charlotte County SHIP Down Payment Assistance in Port Charlotte?

Charlotte County SHIP Down Payment Assistance is open to homeowners in Port Charlotte, FL.

How do I apply for Charlotte County SHIP Down Payment Assistance in Port Charlotte, FL?

Apply directly with Charlotte County Housing Services (SHIP) using the official program link on this page or call (941) 743-1371. There is no middleman and no fee.

Need a Contractor for This Grant?

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