Glades County SHIP Program

Special Alert

Maximum Purchase Price


Contact Info:



Credit Score Requirements

Based on 1st mortgage requirements.

Deferred Payments?


Accepted First Mortgage Type:

Freddie Mac, Freddie Mac HFA Advantage, Freddie Mac Home Possible, Fannie Mae, Fannie Mae HFA Preferred, Fannie Mae HomeReady, FHA 203(b), VA, USDA / RD

Homeowners Education Class:


Is Forgivable?


1 County: Glades Property must be in Glades County, FL.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from HUD 2022 120% AMI guidelines Uses income ranges up to Moderate Income of 120% AMI.

Maximum Assistance

$20,000 Up to $20,000 in assistance

Education Requirements Info:

Funds are contingent upon the receipt of a Home-buyer education Certificate prior to closing. It is the client’s responsibility to attend a home-buyer workshop and receive a Certificate of Completion before closing. SHIP funds will not be made available if this is not provided to the SHIP office. http://www.myglades.com/

Eligible Property Types:

Single Family Detached Condo Townhome/PUD

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $51,000$58,320$65,640$72,840$78,720$84,600$90,360$96,240 *Income limits as of 05/22/2023

Qualifying Ratios:

Housing Ratio: Up To 33% Total DTI: Up To 40% Property taxes and Insurance must be escrowed as part of mortgage payment. Affordability – PITI expense cannot exceed 33% of the applicant’s gross monthly income without compensating factors. Total debt to income ratio shall not exceed 40% of the applicant’s gross monthly income.
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