State Housing Initiative Partnerships (SHIP) Owner Occupied Housing Rehabilitation Program

Funding will provide up to $100,000 to assist extremely low, very low and low income eligible owner-occupied applicants (structure of one to two dwelling units, including mobile homes produced after 1994) with rehabilitation to correct code violations, items that will become a code violation, hurricane hardening (impact windows, doors, etc.), roofing, electrical, plumbing, eliminate housing conditions that threaten the life, health or safety of occupants. NOTE: If there is “unpermitted work" on the property, the property may be ineligible to receive assistance.

Household Size and Eligible Income Categories to be Served:

APPLICATION SELECTION CRITERIA:

The online application portal will open on Monday, November 9, 2026, at 12:00 pm, and close on Friday, November 27, 2026 at 11:59pm.  Eligible residents can apply by visiting the website at https://pbcgov.com/HED.  Once the application portal closes, 50 applications will be selected through a random selection process. NOTE: Additional program information and required documents may be viewed on the website.

ADDITIONAL INFORMATION:

• Households may only be provided enough funding required to bring the home up to current code and to make the home habitable.
• If the property is determined to have Chinese drywall, the property is ineligible for purchase assistance.
• If the property indicates evidence of toxic black mold, the applicant will be required to obtain a mold inspection.  
• Rehabilitation will be performed by a State certified licensed contractor, or a contractor licensed to do business in Palm Beach County procured by the department.
• Applicant must have resided in the dwelling at least three (3) years prior to the date of application under a recorded instrument and have a homestead exemption
• Applicant may not currently own assets exceeding $200,000 and/or combination of liquid and non-liquid assets exceeding the current purchase price limit (excluding their primary residence). Repayable home equity loans are not to be included as an asset.
• Mortgage payments, taxes and homeowners' insurance must be current/paid up to date.  In the event that the homeowner does not have homeowner's insurance, this program may utilize funding from the awarded amount to pay one (1) year insurance premium.

ADDITIONAL INFORMATION (Cont):

• Units with adjoining roofs will require all owners to be income certified in order to receive assistance.  If the non-applicant is not willing to participate in the program, then the applicant may only receive assistance to rehabilitate/repair the interior and non-adjoining exterior of the unit
• Applicants are ineligible to receive assistance if there is currently a Palm Beach County Rehabilitation/Repair Mortgage lien on the property.
• If unpermitted work exists on the property, or liens/judgements against the owner and/or property, the applicant may be ineligible.  Participation will be determined on a case-by-case basis as determined by the county inspector.
• Only mobile homes produced after 1994 are eligible are eligible for assistance.
• In the event that the estimated rehabilitation cost of the mobile home unit exceeds 50% of the estimated fair market value of the unit, housing rehabilitation assistance shall not be provided, but the County may elect to refer the applicant for the replacement housing program.
• Assessed value of the property may not exceed $434,000.
• Applicants MUST attend one of the MANDATORY Orientations. The dates and WebEx link information is located below

MANDATORY ORIENTATION:  Before submitting an application, ALL applicants are required to attend one of the Virtual Mandatory Orientations noted below:

• Monday, October 19, 2026, at 7:30am
• Friday, October 30, 2026, at 4:00pm
• Tuesday, November 3, 2026, at 3:00pm
• Monday, November 9, 2026, at 9:00am
• Wednesday, November 18, 2026, at 12:00pm

Registration is not required; the Mandatory Orientation Meeting can be accessed via this WebEx link:

https://pbc-gov.webex.com/pbc-gov/j.php?MTID=me50cb8775be73e47940ff7173424968b

(OR) Dial (904)-900-2303 to join by phone

Meeting number (access code) 2318 437 2342 – Password: f2uH3JNEbn3

In accordance with the Americans with Disabilities Act (ADA) and Section 286.26, Florida Statute, persons needing a special accommodation to participate in the business, community and/or housing programs through our online application portal, may notify HED, Mortgage and Housing Investments Division at (561) 233-3600 or via email at HEDVerify@pbc.gov, five (5) business days prior to the opening of the application portal.  This document may be requested in an alternate format to help facilitate your process of applying through the online portal.  If you are unable to find assistance to apply through the online portal, HED can provide a list of agencies who may be able to help (charges from that agency may apply).

Este aviso y los documentos a los que se hacen referencia están disponibles en español al igual que los servicios de traducción. Comuníquese con HED al (561) 233-3600.

Avi sa a ak dokiman referansye yo disponib nan lang panyòl, ak sèvis tradiksyon ki disponib.  Kontakte HED nan (561) 233-3600.

For additional information, please contact:

Palm Beach County Department of Housing and Economic Development (HED)

Mortgage and Housing Investments Division

100 Australian Avenue, 5^th Floor, West Palm Beach, FL  33406

Telephone: Antoinette Prescott (561) 233-3606 or Megan Harp (561) 233-1294 or Receptionist (561) 233-3600

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