Housing Services

Purchase Assistance

Provides eligible home buyers assistance with down payment, closing costs, and gaps in financing the purchase of an affordable home.

• Frequently Asked Questions 
• Program Status: Open now – contact a participating lender to apply.
• For Homebuyers: Applications must be submitted through a current member of the Lenders' Consortium.  Click the link below for the list of currently participating lenders.
• For Lenders: Loan Officers interested in joining the consortium must complete required training and agree to program terms. Email the SHIP Administrator for details.
• Participating Lenders/Loan Officers – Current List

Owner-Occupied Rehabilitation

Provides funding for home repair and rehabilitation to eligible homeowners.

• Frequently Asked Questions
• Program Status: Open now.
• For Homeowners: Applications are accepted by our Rehab Partners.
  • Rebuilding Together Greater Florida – Apply online and click “Get Help.”
• For Contractors:  The Housing Division seeks licensed and insured contractors for the SHIP Rehabilitation Program. 
  • Contractor Recruitment

Rent, Mortgage & Utility Assistance

Available to eligible households through the Human Services Intake and Family Stability teams. Apply online via the Help Paying Bills page.

Disaster Recovery Assistance

• Available for Hurricane Ian, Idalia, Helene, and Milton recovery.
• Apply at www.coadfl.org. Eligible applicants are referred for assistance.
• Other Human Services funds may also be available through the same portal.

Charlotte HOME Program

Adopted in 2020, Charlotte HOME (Housing Opportunities Made Easier) reduces barriers for developers of affordable housing through incentives such as:

• Expedited permitting
• Impact fee waiver on affordable units
• Utility and other public fee subsidies
• Land donation
• Density

To inquire about how to apply for Charlotte HOME incentives and subsidies, email CharlotteHOME@CharlotteCountyFL.gov.  Applications are reviewed by a multi-agency panel. Certain tiers require approval by the Affordable Housing Advisory Committee (AHAC) and the Board of County Commissioners (BCC).

Charlotte County is committed to fair housing practices in accordance with federal and state laws. No person shall face discrimination in housing based on race, color, ancestry, national origin, religion, sex, marital status, familial status, handicap, or age (Ord. No. 96-003, § 2, 2-6-96). 

Resources:

• Florida Commission on Human Relations
• Florida Landlord/Tenant Law
• To file a complaint, contact the Fair Housing Coordinator.