Started Monday, September 20, 2021 at 8:00am and ended on Monday, October 4, 2021
State Housing Initiative Partnerships (SHIP) Owner-Occupied Housing Rehabilitation Program

Click Here for Continued Access to the Application

                       ALLOCATION:  $1,125,000           MAXIMUM AWARD: $75,000          PROPERTY'S ASSESSED VALUE CANNOT EXCEED $331,888

OWNER OCCUPIED HOUSING REHABILIATION SUMMARY:  This funding allocation will ONLY assist income-eligible owner occupied (structure of one - two dwelling units) residents age 62 and older and/or veterans with:

  • Rehabilitation: Assist with substantial rehabilitation to correct code violations or incipient items that will become a code violation, eliminate housing conditions, which threaten the life, health or safety of occupants, connect residents to public utilities, and adapt residences to meet accessibility.
  • Utility Connection: Funding will assist with:
    1. Sewer and water connection system fees required by local water utilities; and
    2. Costs to install service lines from the meter to the primary residence.


Number of Persons in Household

Extremely Low Income (30%)

Very Low Income (50%)

Low Income (80%)

Moderate Income (140%)

1 $18,000 $30,000 $47,950 $84,000
2 $20,600 $34,250 $54,800 $95,900
3 $23,150 $38,550 $61,650 $107,940
4 $26,500 $42,800 $68,500 $119,840
5 $31,040 $46,250 $74,000 $129,500
6 $35,580 $49,650 $79,500 $139,020
7 $40,120 $53,100 $84,950 $148,680
8 $44,660 $56,500 $90,450 $158,200

APPLICANT SELECTION CRITERIA: Fifty (50) applications will be available online by visiting the website at beginning September 20, 2021.  Applications will be accepted on a first submitted, first qualified, first served basis, subject to funding availability.

REQUIRED DOCUMENTS: At the time of application submittal, the following documents must be provided for the applicant, co-applicant and ALL adult household members:

  • Copy of valid Drivers' License or State Identification for ALL Adult household members
  • Copy of Birth Certificates or valid U.S. Passport or Naturalization Certificate for ALL household members (for all Non-U.S. Citizen household members provide a copy of a valid Permanent Resident Card).
  • Copy of most recent paycheck stub for ALL working adult household members (OR) a current completed Verification of Employment (VOE) completed within 30 days of submission of application
  • Completed YTD Profit and Loss Statement for ALL adult household members (if self-employed or current 1099 Income earner)
  • If an adult student is employed – copy of class schedule on school's letterhead
  • Copy of most recent Social Security, Retirement and/or Disability Award Letter for ALL adult household members
  • Wage Earner Statement from Social Security Administration for ALL unemployed adult household members (OR) an Affidavit of Unemployment for each unemployed household member
  • Court ordered child support documentation/ALL appropriate legal documentation for adoption, divorce, battered spouse & restraining order
  • Copy of most recent six (6) months bank statements (OR) a current Completed Verification of Deposit (VOD) for ALL accounts for ALL adult household members
  • Most recent two (2) years of tax returns (signed and dated) and W2s.
  • If self-employed, provide copy of a current 1099 and three (3) years of most recent tax returns
  • Copies of ALL mortgages and warranty deeds
  • Copy of most recent mortgage statement
  • Copy of Homeowners Insurance (Declaration age only)


  • Applicant is required to attend a Mandatory Orientation hosted by HED. CLICK HERE FOR MORE INFORMATION.
  • Mortgage payments, insurance and taxes must be current/paid to date. NOTE: This program may pay one (1) year insurance premium in the event that the eligible homeowner does not have homeowners insurance. 
  • Applicant may not currently own or have liquid assets exceeding $200,000 in liquid assets (excluding their primary residence).
  • Funds will be awarded as a 0% interest deferred payment loan secured by a recorded mortgage and note for 15 years.  The loan is forgiven at the end of the 15-year term

Click Here for Continued Access to the Application

   Telephone: (561) 233-3606/(561)233-3693/(561)233-3600 or Email: