Collier County SHIP Purchase Assistance (without rehab)
Collier County's SHIP plan gives first-time buyers from very low to moderate income $70,000 to $110,000, with Essential Service Personnel getting $10,000 more at each tier. It is a 0% loan forgiven after 30 years. Status: funding-dependent and unverified. Call Collier County Community & Human Services before signing.
First-time buyers, very low to moderate; higher awards for Essential Service Personnel
First-timers only
Yes
Also note
Per FHFC-approved LHAP 2025-28
0% deferred, 30-year, forgiven entirely at end (also forgiven on death). County site blocked automated access. Naples (largest city) has no separate SHIP program.
Want a heads-up? SHIP Purchase Assistance without Rehab (LHAP) draws from a limited pot that can empty out. We'll tell you when a new round is funded.
How it works
Income tier
Essential Service Personnel
Other buyers
Very low
$110,000
$100,000
Low
$90,000
$80,000
Moderate
$80,000
$70,000
The loan is 0% and deferred for 30 years, then forgiven entirely. It is also forgiven on the owner's death. These are some of the largest awards in Florida, reflecting Collier's home prices.
Who qualifies?
First-time buyers from very low to moderate income.
Essential Service Personnel as defined in the County plan get the higher column; see the ESP page.
Naples, the largest city, has no separate SHIP program, so Naples buyers use this County plan.
Dollar income caps and price limits are in the County's guidelines, not in the plan summary we reviewed.
What we couldn't verify
Terms come from the 2025-28 Local Housing Assistance Plan filed with Florida Housing. The County site blocked automated access, so we couldn't confirm whether applications are being accepted or a list is in use. With awards this large, each year's SHIP allocation funds relatively few buyers; ask how many awards remain.
With Hometown Heroes and OAHO
Hometown Heroes allows another agency's stand-alone DPA in third position; a participating lender confirms whether Collier County accepts that. The HFA of Lee County's OAHO ($10,500 in Collier) is open and uses its own first mortgage. To start, call the County, confirm funding and your tier, and complete homebuyer education.
Because the awards are large, the County is likely to look closely at the home's price, your income tier and your first-time status; have documents for all three ready when you call. Ask whether the County has a separate strategy for homes that need repairs, since this one is "without rehab."
Who should look at Collier's plan
With awards from $70,000 to $110,000, the plan can cover a meaningful share of a Collier purchase for very low to moderate income first-time buyers. Essential Service Personnel get the higher column. Because forgiveness comes only at the end of 30 years, ask the County what you would owe if you sold or refinanced earlier, and whether the loan can be subordinated if you refinance the first mortgage.
Our summary of the official program page as of November 2026. Funding and terms change; get the current version from the program or a participating lender. Florida Down Payment Assistance has no tie to this program.
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