State Housing Initiatives Partnership program (SHIP)
Owner-Occupied Rehabilitation
Owner-Occupied Rehabilitation​​
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Sarasota County can help income-eligible residents receive safe, affordable home rehabilitation through 0% interest deferred loans (No payments required provided the loan remains in good standing and complies with all mortgage requirements).
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Assistance for home repairs, maintenance or modifications to preserve and improve the home or improve accessibility for residents with disabilities. Repairs to correct substandard conditions, eliminate code violations, and upgrade major systems to improve the health, safety, and welfare of the occupants. Please also note that renovations undertaken solely for aesthetic or cosmetic purposes are not eligible.
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Applications for SHIP funding for owner-occupied rehabilitation activities for 2025-2026 are currently closed. The new application cycle for these programs will begin in September 1, 2026. Please click here to be added to our newsletter and receive notification when applications are open.
Incomplete applications that show no activity for a period of 60 days will be withdrawn; however, you are welcome to reopen your application at a later time.
Need Help?
Questions regarding the Sarasota County SHIP program may be directed to SHIP@scgov.net or (941) 861-5336.
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Address (by appointment only):
Housing Enhancement and Redevelopment Office (HERO)
4510 Fruitville Road, 2nd Floor
Sarasota, FL 34232​​
Local Housing Assistance Plan
The Local Housing Assistance Plan (LHAP) outlines the specific strategies and criteria for each program. We are committed to working with community partners, developers and local residents to meet the diverse housing needs of our county and strengthen neighborhoods through safe, affordable housing.
Effective July 1, 2026, the Local Housing Assistance Plan (LHAP) for the State Housing Initiatives Partnership (SHIP) Program has been updated to reflect the requirements of SB 594. The version currently posted on our website is a draft and is subject to approval by the Board of County Commissioners in Aug. 2026.