Individual Assistance and Availability

Annually, Collier County receives federal and state funding designated for housing assistance. The primary use for these funds is to help moderate, low and very low income households with their housing affordability needs.

Assistance programs include:

SHIP Purchase Assistance Program

This program provides interest-free loans up to $55,000 to assist qualifying first-time homebuyer(s) with both down payment and closing cost expenses.

Assistance can be used only with single-family homes, townhomes and condominium units located within unincorporated Collier County, City of Naples, City of Marco and Everglades City.

The SHIP loan is a 15 year deferred payment loan (no payment, no interest) secured by a promissory note and second mortgage executed by the homebuyers to Collier County. The maximum sales price cannot exceed 90% of the average area sales price established by the US Treasury Department and published annually ($402,710 currently).


  • Must complete a Homebuyer Education Course from an approved HUD agency;
  • Must be pre-qualified for a first mortgage loan;
  • Household income must be within the income limits established by the program;
  • Borrower cannot have had the following within the last three years: foreclosure, bankruptcy, federal/State tax lien, deed-in-lieu of foreclosure and proof of legal residency is required; and,
  • Debt-to-income ratio: 32% front end, 45% back end.

To apply for assistance, contact Housing, Education and Lending Programs (HELP) at 239-434-2397 or visit for more information.

The Housing, Education and Lending Programs (HELP) is proud to offer free workshops to provide the public with a better understanding of the home-buying process.

The Homebuyer Education Workshop focuses on how real estate transactions work, qualifications for homebuyer financing, and the responsibilities of home ownership.

For more information, or to sign up, visit HELP.

This program provides interest-free, deferred loans up to $50,000 to assist eligible homeowners in unincorporated Collier County, the City of Naples, the City of Marco Island, or Everglades City with rehabilitation or repair of their single-family homes, townhomes or condominium units. Mobile homes built prior to July 13, 1994 do not qualify for assistance.

The rehabilitated property value cannot exceed 90% of the assessed value as determined by the Collier County Property Appraiser’s Office, including after repairs.

A SHIP 15-year deferred payment loan (no payment, no interest) is secured by a promissory note secured by a second mortgage and is payable to Collier County. If you rent your home, sell your home, refinance your home, or lose your homestead exemption, repayment will be required. One-third of the loan is forgiven every five years.

Applicant shall:

  • Own or have a mortgage for at least twelve months;
  • Meet household income requirements established by the program;
  • Produce proof of mortgage or deed as well as legal residency or citizenship status; and,
  • Be current on your mortgage payments and not have had more than one late payment in the past 12 months.

To apply for assistance, call 239-252-2339 or e-mail

HOME Investment Partnerships Program (HOME) permits Participating Jurisdictions (PJs) to create flexible programs that provide assistance to individual households to help them afford the housing costs of market-rate units. These programs are known as “tenant-based rental assistance,” or TBRA. HOME TBRA programs differ from other types of HOME rental housing activities in three key ways:

  • TBRA programs help individual households, rather than subsidizing particular rental projects;
  • TBRA assistance moves with the tenant – if the household no longer wishes to rent a particular unit, the household may take its TBRA and move to another rental property; and,
  • The level of TBRA subsidy varies – the level of subsidy is based upon the income of the household, the particular unit the household selects, and the PJs rent standard (rather than being tied to the PJs high and low HOME rents).

There are many different types of TBRA programs, but the most common type provides payments to make up the difference between the amount a household can afford to pay for housing and the local rent standards. Other TBRA programs help tenants pay for costs associated with their housing, such as security and utility deposits.

For more information about TBRA programs, please contact Carolyn Noble at

Emergency Solutions Grants (ESG) funds may be used to provide housing relocation and stabilization services and short- and/or medium-term rental assistance as necessary to help a homeless individual or family move as quickly as possible into permanent housing and achieve stability in that housing. This assistance, referred to as rapid re-housing assistance, may be provided to program participants who meet the criteria under paragraph (1) of the “homeless” definition in 24 Code of Federal Regulations (CFR) §576.2 Definitions or who meet the criteria under paragraph (4) of the “homeless” definition and live in an emergency shelter or other place described in paragraph (1) of the “homeless” definition. The rapid re-housing assistance must be provided in accordance with the housing relocation and stabilization services requirements in 24 CFR § 576.105 – Housing Relocation and Stabilization Services, the short- and medium-term rental assistance requirements in 24 CFR § 576.106 – Short-term and Medium-term Rental Assistance, and the written standards and procedures established under 24 CFR § 576.400 – Area-wide Systems Coordination Requirements.

For more information, please contact Pam Baker at NAMI (ESG Rapid Rehousing) at 239-260-7303.

Please contact the Community and Human Services Division at 239-252-CARE (2273) or for information regarding funding opportunities.