Collier County
Under Collier County's SHIP plan, Essential Service Personnel receive $10,000 more than other first-time buyers at every income tier, up to $110,000 for very low income. Status: funding-dependent and unverified. Confirm with Collier County Community & Human Services before you sign.
Collier County
From FHFC-approved Collier LHAP 2025-28; current status not verified.
Checked against the official page, November 2026. How we fact-check
Check whether I fitCollier is one of the few Florida counties that pays essential workers more, not just ranks them higher. The County's 2025-28 plan sets the Essential Service Personnel awards at $110,000 (very low income), $90,000 (low) and $80,000 (moderate), against $100,000, $80,000 and $70,000 for others. Terms are otherwise identical: 0% interest, deferred 30 years, then forgiven in full (also forgiven on the owner's death).
Essential Service Personnel are defined in the Collier plan; the definition wasn't included in the summary we reviewed. Get the County's written definition and the proof it accepts before you assume you're in. You must also be a first-time buyer within the very low to moderate income tiers.
We could not verify current status because the County site blocked automated access, so the numbers here come only from the plan on file with Florida Housing. A plan can include a strategy that receives little or no money in a given year. Call before you commit to a home or a closing date.
An essential worker in Collier may also qualify for Florida Hometown Heroes, which pays 5% of the loan (at least $10,000, up to $35,000). Hometown Heroes allows another agency's stand-alone DPA in third position, so a participating lender can confirm whether the County award can go behind it. See the nurses and healthcare and law enforcement pages for the state job rules, and the full Collier SHIP page.
Ask the County for its income limits by tier and its price cap, and whether essential workers get any priority on the list as well as the higher award. Since the higher amount depends on your job, keep your employment documents current through closing; a job change during the process could change your award.
Because forgiveness arrives only at the end of 30 years, ask the County what you would owe if you sold or refinanced early. An essential worker who expects a job transfer should weigh that before taking the largest award.
See the Collier County guide, hero discount programs, or check your eligibility.
$10,000 more at each tier: $110,000 very low, $90,000 low and $80,000 moderate income.
The County plan defines it; ask the County for its written definition and the documents it accepts.
Not verified. Confirm funding with Collier County Community & Human Services.
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