SHIP Program

In 1992, The William E. Sadowski Affordable Housing Act was established under a bipartisan agreement with an ultimate goal of creating jobs and helping those who lived in substandard housing. Funds are allocated to local governments based on population. These funds are derived from the collection of documentary stamp tax revenues. The Florida Housing Finance Corporation administers the SHIP program (State Housing Initiatives Partnership), which provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. The program was designed to serve very low, low and moderate income families. SHIP dollars may be used to fund:

• Emergency Repairs
• New Construction
• Down Payment & Closing Cost Assistance
• Rehabilitation
• Home Ownership Counseling

SHIP Application Information

Applicants must be first-time homebuyers (an individual who has not owned a home within the last three years, displaced individuals due to a divorce, and families who own mobile homes but are not the property owners)

If a waiting list exists and the projected wait time for assistance is more than two years, the application process will be closed until all applicants have been assisted.

Public Service Announcement: Housing Discrimination

• Housing Discrimination PSA (English)
• Housing Discrimination PSA (Español)
• Fair Housing (English)
• Fair Hosing (Espanol)
• Gadsden County Fair Housing EEO Contact Information
• Fair Lending Guide

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