Payoff and Subordination requests can be emailed to CollierCountyShip@colliercountyfl.gov

                  Collier County SHIP Purchase Assistance Fact Program

The Collier County Community and Human Services (CHS) is offering Purchase Assistance under the State Housing Initiatives Partnership Program (SHIP) which provides down payment and closing costs assistance to eligible first-time homebuyers interested in purchasing a home within unincorporated Collier County, the City of Naples, the City of Marco Island or Everglades City with a maximum purchase price not to exceed  $685,786.00.  Homebuyer must also meet the following:

• Complete a County approved HUD certified Homebuyer Education Workshop
• Must be pre-qualified for a first mortgage loan
• Must be a first-time homebuyer as defined, an individual and his or her spouse who have not owned a home during the three-year period prior to purchase of a home with assistance under the State Housing Initiatives Partnership Program (SHIP).  The term first-time homebuyer also includes an individual who is a displaced homemaker or single parent.
• Occupy the home being purchased as their primary residence during the term of the loan.

In order to receive this assistance the gross total household income (anticipated for next 12 months) cannot exceed the income limits adjusted for household size set forth below:

Family Size & Very Low        Family Size & Low               Family Size & Moderate 

1 Person     $36,550               1 Person    $58,450             1 Person      $87,720

2 Person     $41,750               2 Person    $66,800             2 Person     $100,200

3 Person     $46,950               3 Person    $75,150             3 Person     $112,680

4 Person     $52,150               4 Person    $83,450             4 Person     $125,160

5 Person     $56,350               5 Person    $90,150             5 Person      $135,240

6 Person     $60,500               6 Person    $96,850             6 Person      $145,200 

*The awards may include up to $10,000 for Essential Services Personnel.

If approved as very-low, low or moderate-income, applicants may be eligible for assistance towards down payment and closing cost for the purchase of a home located within Collier County. The SHIP award will be dependent on income level and funds available. Funds are available on a first come/ first qualified basis, upon funding availability, for first-time homebuyers who meet the program requirements.

Funds will be issued as a zero interest, deferred payment loan, which does not require monthly payments. The SHIP loan is payable and due upon sale or transfer of property. As long as the borrower(s) continue to maintain the assisted property as their primary residence, no repayment is required. No repayment is due if sold after thirty (30) years.

The Purchasing Assistance Application and instructions for first time homebuyers can be found here:

Purchase Assistance Application for Housing 04.01.24

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