Hillsborough County Owner-Occupied, Tampa, FL

Q: How do I apply for Hillsborough County Owner-Occupied Rehabilitation (OOR) Program in Tampa, FL?

Apply directly with Hillsborough County Affordable Housing Services using the official program link on this page or call 813-635-1610. There is no middleman and no fee.

About This Program

Hillsborough County Owner-Occupied Rehabilitation (OOR) Program is available to homeowners in Tampa, FL.

Hillsborough County's OOR Program provides interest-free deferred payment loans to rehabilitate homes of low-income residents in unincorporated Hillsborough County, Plant City, and Temple Terrace. Funded through SHIP and Local Housing Trust Funds, the program addresses leaking roofs, plumbing, electrical, HVAC, and accessibility. Property value cannot exceed $300,000 and home cannot exceed 2,000 sq ft.

Interest-free deferred loan; repayment generally required only at sale or change of primary occupancy.

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

Data last verified 2026-04-03. How we verify our data.

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

City of Tampa Housing Rehabilitation & Renovation Program (HRRP) Up to $100,000
City of Tampa Healthy Homes Program Up to $100,000
My Safe Florida Home Wind Mitigation Grant Up to $10,000 (2:1 state match for moderate-income; full grant for low-income)
Florida PACE Program (Property Assessed Clean Energy) No set maximum; based on project scope and property equity

Key Details

Up to $100,000 interest-free deferred loan
For unincorporated Hillsborough, Plant City, or Temple Terrace
Income must be below 80% AMI
Covers roof, plumbing, electrical, HVAC, and accessibility
Home must have homestead exemption for past 2 years

How to Apply

Get free help applying Visit Official Program Page Track this program

813-635-1610

A grant-savvy contractor in Tampa, 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 Tampa 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.
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: Open until funds exhausted; check hcfl.gov for current status

Questions about this program?

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

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Hillsborough County Owner-Occupied Rehabilitation (OOR) Program

About This Program

Key Details

How to Apply

Your application paperwork

Questions about this program?

Frequently asked questions

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