Interested in purchasing a home? Here's how we can help...

Homebuyers must have annual household income at or below income levels, attend a homebuyer education class from a HUD Approved Housing Counseling Agency, be able to obtain a commitment for a mortgage from a lending institution, and occupy property as their primary/principal residence. All borrowers must occupy the home and be party to the Deed, Mortgage and Note to the house being purchased (non-occupying co-borrowers/co-signers are not allowed).

Funds are available on a first-come, first-ready basis. Funds may  be used toward the down payment and/or closing costs only.  Homebuyers cannot receive cash back, including money paid towards earnest money deposit, application fee, appraisal, etc. Assistance will result in a second mortgage on the property being purchased. This mortgage is no interest and does not require monthly payments as long as the home is their primary homesteaded residence for the duration of the mortgage term.

The lender applies for the assistance from Lee County on the borrower's behalf. The lender  must complete a lender referral form and attach the required documents including a fully accepted purchase contract and forward the completed application package to Lee County Human and Veteran Services for review.

Please check for funding availability prior to submitting an application.


HOME Program

If you are purchasing an existing single family home (or condominium/townhouse) anywhere in Lee County you may qualify for assistance. The maximum purchase price is $204,000, and the maximum amount of assistance will be 10% of the purchase price (not to exceed $20,400). The second mortgage will be for a term of 10 years and will reduce at a rate of 10% per year. 

HOME Info SheetHOME Informacion en Español
HOME Program Application HOME Aplicacion en Español

​SHIP Program

Now accepting applications for Income Eligible Households. Please view income levels at the top of the page.

If you are purchasing a newly constructed single family home in Unincorporated Lee County, Bonita Springs, Estero, Fort Myers Beach, or Sanibel you may qualify for assistance. The maximum purchase price is $283,348, and the amount of assistance ranges from $20,000 to $40,000 depending on your household income. The second mortgage will be non-reducing for a term of 15 years.

SHIP Info Sheet SHIP Informacion en Español
SHIP Program Application SHIP Aplicacion en Español

U.S. Department of Housing and Urban Development (HUD)                   Federal Equal Housing Opportunity                     SHIP