SHIP (State Housing Initiatives Partnership) funds are state-allocated financial assistance designed to help homebuyers with down payments and closing costs. Administered locally by HANDS of Central Florida, SHIP funds make homeownership more affordable in Lakeland, Polk County, and Winter Haven.
Key Benefits:
HANDS of Central Florida administers SHIP funds for Polk County and the City of Lakeland.
HANDS of Central Florida took over administration of Polk County’s SHIP funds from Keystone Challenge Fund, which previously handled the program before ceasing operations. HANDS now serves as the primary administrator for SHIP funds in Lakeland and Polk County.
HANDS of Central Florida doesn't administer SHIP funds for Winter Haven. Instead, the City of Winter Haven directly manages its SHIP program.
If you're buying a home in Lakeland, Polk County, or Winter Haven, SHIP funds can significantly reduce your upfront costs with:
The funds available to you attach to your current buying power. The funds available to eligible buyers are a game changer. These funds can fully negate the typical need for $15,000+ in expenses buyers have come to expect in traditional purchases.
They can also be combined with other programs like Hometown Heroes for added benefit!
Jackson Kimsey - Real Estate Planning
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