Hendry County Downpayment and Closing Cost Assistance Program (SHIP)

Special Alert

Assistance amounts vary by income. Review program guidelines to determine assistance eligibility by income level.

Maximum Purchase Price


Contact Info:

133 N. Bridge Street, LaBelle, FL 33975 863-675-5297


The purchase of mobile homes are not eligible. Buyer must be a first-time home buyer.

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?

It is a deferred forgivable loan that is for five years. The homeowner must maintain homestead exemption, homeowner’s insurance and pay all applicable fees (garbage, taxes, etc.). If the applicant defaults on the loan, then they must pay the loan plus three and a half percent.


1 County: Hendry Property must be located in Hendry County, FL.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from Agency-defined 2022 120% AMI guidelines Incomes served: very low, low and moderate income categories. Income cannot exceed 120% AMI (Income limits are provided by Florida Housing Finance Corporation annually)

Maximum Assistance

$30,000 Maximum award amounts are based on income categories of household: $30,000 for very low income $20,000 for low income $10,000 for moderate income

Education Requirements Info:


Eligible Property Types:

Single Family Detached Condo Townhome/PUD

Income By Household Size:


Qualifying Ratios:

Determined by first mortgage product or lender.
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