Category: Community Resources

Provides financial assistance to income‑eligible residents for owner‑occupied home rehabilitation, first‑time homebuyer down‑payment and closing‑cost assistance, and disaster‑related housing needs. The program supports critical health and safety repairs to owner‑occupied homes through interest‑free, deferred loans that are forgivable as long as the home remains the applicant’s primary residence. SHIP also assists qualified first‑time homebuyers purchasing eligible new or existing homes, including certain mobile or manufactured homes. Funding is awarded on a first‑qualified, first‑served basis, with priority given to very low‑income households, seniors, essential personnel, and special‑needs households.