Charlotte County SHIP program — realtor & lender inquiries

Are you a lender interested in participating in the Charlotte County SHIP purchase assistance program?

Charlotte County requires homebuyers to qualify for a first mortgage through an eligible or participating lender. If you are a mortgage lender interested in working with buyers using Charlotte County SHIP assistance, please contact the Charlotte County Human Services Department, Housing Division, and Florida Housing Finance Corporation to confirm current lender participation requirements.

Questions regarding local housing initiatives, NOFA, or the Charlotte County SHIP program may be directed to the Housing Division or by phone.

Florida Housing Finance Corporation: (850) 488-4197

Charlotte County Human Services Department — Housing Division
1050 Loveland Blvd
Port Charlotte, FL 33980
Phone: 941-833-6500

Lenders should verify participation guidelines and documentation requirements directly with Charlotte County before representing themselves as an approved Charlotte County SHIP lender.

Are you a realtor interested in helping a buyer use Charlotte County SHIP down payment assistance?

Realtors are encouraged to contact the Charlotte County Housing Division to confirm current program guidelines, eligible purchase areas, and any realtor orientation or participation requirements.

Inquiries regarding local housing initiatives and SHIP funding availability may be directed to the Charlotte County Housing office at 941-833-6500.

Important: DPA Compass LLC did not identify a publicly published Charlotte County-approved realtor list. Realtors should contact the county directly before advertising themselves as an approved or participating Charlotte County SHIP realtor.

Charlotte County. Program requirements, contacts, funding availability, and participation requirements may change. Realtors and lenders should contact the Charlotte County Human Services Department directly for the most current and authoritative information. DPA Compass LLC does not determine county approval or participation status and is not affiliated with Charlotte County unless expressly stated otherwise.

Charlotte County DPA program

Charlotte County purchase assistance program

Program: Charlotte County Purchase Assistance Program

The county provides down payment and closing cost assistance for income-eligible first-time homebuyers purchasing a home within Charlotte County.

Assistance terms, maximum award amounts, and household income brackets are established in accordance with state and local SHIP guidelines. Funding is typically structured as a deferred-payment subordinate mortgage with eligibility depending on household income and family size.

The program works alongside conventional, FHA, and VA first mortgage loans through approved participating lenders.

County contact

Charlotte County Human Services Department — Housing Division
📞 941-833-6500

Prospective buyers and industry professionals are directed to contact the county division or their certified housing counseling partners for program information, income limits, purchase price caps, homebuyer education requirements, and application cycles.