If you live in Miami-Dade or Broward County and need help with home repairs, accessibility upgrades, or down payment assistance, Florida’s SHIP Program (State Housing Initiatives Partnership) may be your solution. But what exactly is SHIP, and how do you know if you qualify? Let’s break it down:
🧱 What Is the SHIP Program?
The State Housing Initiatives Partnership (SHIP) is a Florida state program funded by real estate taxes, designed to assist low- to moderate-income households with: • Home repairs and renovations • Down payment and closing cost assistance • Accessibility upgrades for the elderly or disabled • New construction or purchase assistance Each county and many cities receive SHIP funds and customize their own Local Housing Assistance Plans (LHAPs) based on local needs.
🌴 SHIP Program Access by County
✅ Miami‑Dade County
Provides down payment help, rehab for code violations, and weatherization. Explore the Miami-Dade SHIP Program
✅ Broward County
Offers substantial rehab grants and homebuyer assistance across multiple cities. View Broward County SHIP Details
🏙️ SHIP Program by City (Select Examples)
• North Miami: Offers first-time homebuyer help and repair funding. North Miami SHIP Info • Coral Springs: Supports affordable housing upgrades and improvements. Coral Springs SHIP Info • Lauderhill: Focuses on repairs, weatherization, and energy efficiency for homeowners. Lauderhill SHIP Info
✅ Pros of SHIP Program:
• Grants or low-interest loans (sometimes forgivable over time) • Covers critical repairs: roof, electrical, HVAC, plumbing, accessibility • Supports first-time homebuyers with down payment aid • Available in nearly every city in Broward & Miami-Dade • Can help prevent code violations or foreclosure
❌ Cons or Limitations:
• Income caps apply (typically <80% Area Median Income) • Funding is limited and often runs out quickly • Waitlists are common, especially in popular cities • Some cities require homeownership for at least 12 months • Not all improvements are covered (luxury remodels are excluded) • You may need architectural drawings, permits, or licensed contractors
🛠️ How Brunt & Company Can Help
If you qualify for a SHIP grant or loan, you’ll likely need: • A licensed general contractor (like Brunt & Company) • Estimates, permit applications, and signed work scopes • Licensed subs: plumbers, electricians, HVAC, roofers • Compliance with Florida Building Code and city inspections Our team can walk you through the full process—from quote to final inspection—and ensure your SHIP-funded repair is code-compliant, safe, and professionally managed.
📞 Ready to Start?
If you think you might qualify or want us to help you explore SHIP funding in your city, contact Brunt & Company today: 📧 Email: info@bruntconstrt here) <strong>🌐 Website:</strong> <a href=”https://bruntconstruction.com” target=”_blank”>https://bruntconstruction.com</a> Let’s make your home safer, stronger—without the financial strain.
