State Housing Initiatives Partnerships (SHIP)

Sadowski Trust Funds from Florida Housing Coalition on Vimeo.


About the Program

The State Housing Initiatives Partnership (SHIP) program provides funds to local governments as an incentive to create partnerships that produce and preserve affordable home ownership and multi-family housing. The program is designed to serve very-low- to moderate-income families.

Fund Distribution

SHIP funds are distributed on an entitlement basis to all 67 counties and 52 Community Development Block Grant (CDBG) entitlement cities in Florida. SHIP provides down payment and closing cost assistance for eligible applicants. The program funds emergency housing repair and rehabilitation projects in accordance with established criteria and offers mortgage foreclosure prevention assistance as available.

SHIP purchases and improves the housing stock for very low to moderate-income residents. The county works with other assistance programs such as Habitat for Humanity, Flagler County Housing Authority, and the Department of Rural Development to partner funds. The SHIP program also works with Mid-Florida Housing Partnership Inc. to coordinate an annual housing fair.

The City of Palm Coast became a CDBG entitlement city as of 2008, which meant Palm Coast became eligible for its own allocation of SHIP funding. In 2009, an interlocal agreement was established between the City of Palm Coast and Flagler County for the county to be solely responsible for the administration and implementation of any SHIP funds dedicated to the City of Palm Coast.

Monday through Friday • 8 a.m. to 5 p.m.
1000 Belle Terre Boulevard, Palm Coast
Phone: 386-313-4037 • Fax: 386-313-4176 • email