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The Collier County SHIP Owner-Occupied Rehabilitation Program is administered by the Collier County Community and Human Services Division and Community Assisted and Supportive Living, Inc.  It provides interest-free, deferred loans to assist eligible homeowners in Collier County with rehabilitation of their dwelling. 

How do I qualify for this loan? Your annual combined household income cannot exceed these maximum income limits, based on family size of:

2019 Income Limits

Household Size:     1                 2                 3             4                 5                 6

Very Low (50%) $27,450     $31,350     $35,250     $39,150     $42,300      $45,450

Low (80%)          $43,900     $50,150     $56,400     $62,650     $67,700     $72,700

What are the requirements of a Homeowner? You must own and have had a mortgage for at least twelve months and the home must be your primary place of residence. Proof of mortgage or deed as well legal residency or citizenship status, will be required. You must have no late payments in the last 12 months and are current with property taxes.

Are there any restrictions as to where the property may be located? The property must be located within unincorporated Collier County, the City of Naples, the City of Marco Island, or Everglades City.

Are there any other restrictions? The Owner-Occupied Rehabilitation Program may be used to rehabilitate single-family homes, townhouses, or condominium units. Mobile/manufactured homes must be built after  June 1994 to qualify for assistance. The maximum assessed value of the property cannot be over $422,892, including after rehab assistance (As determined by the Collier County Property Appraiser assessed value).

How much money can I borrow? You may qualify for up to $55,000.00 for rehabilitation in addition to a project delivery fee for work to your home. A Promissory Note will be secured by a Second Mortgage payable to Collier County when you sell your home, refinance your home, or lose your homestead exemption.

Who does the rehabilitation work? Homeowners will submit an Application for Housing Assistance to Collier County Community & Human Services Division (CHS). Once CHS determines the household is income eligible, we will refer your case to either Rural Neighborhoods or Habitat for Humanity who will initiate an inspection of your home. The inspection will determine if your home is eligible for rehabilitation. Note* There is a two part approval process; 1) Household income eligibility 2) Property eligibility. 

Rural Neighborhoods or Habitat for Humanity will oversee the rehabilitation process and will work with homeowners and contractors directly through the rehabilitation phase of the program.

How do I apply for the loan? Applications for the Owner-Occupied Rehabilitation Program are available at the Collier County Community & Human Services Division located at 3339 Tamiami Trail E, Bldg. H, Suite #211, Naples, Fl 34112.

Are there any fees required when applying? There is no application fee.

How are the funds distributed? Funds are loaned on a first come first serve basis. The County is particularly interested in assisting low and very-low income households.

Who do I call if I have more questions about this program? Call Lisa Carr at 239-252-2339 or Email at


Look Here for a copy of the SHIP Rehab English.

Look Here for a copy of the SHIP Rehab application in Haitian Creole.

Look Here for a copy of the SHIP Rehab application in Spanish.

    Community & Human Services
    3339 Tamiami Trail East
    Suite 211
    Naples, FL 34112-5361
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    Phone: (239) 252-2273




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