Deferred second loan
City of Cape Coral SHIP Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Lee County
Buying a home in Cape Coral, FL
1 Cape Coral program, 4 county programs and 26 statewide.Cape Coral has 1 program of its own, 4 more across Lee County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Cape Coral addresses
Cape Coral’s own program
Anywhere in LeeAnywhere in Lee County
4 county programs4 county programs a Cape Coral homebuyer can also use
1 more program is for homes in Fort Myers. See them 1 program in neighboring cities — for homes inside those cities, not Cape Coral
- Fort Myers — City of Fort Myers Home Purchase Assistance
The Cape Coral marketThe Cape Coral housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cape Coral
- 79.4% single-familysingle-family
- 3.6% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 10.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. 4 of Cape Coral’s 5 local and county programs accept condos. Habitat for Humanity of Lee and Hendry Counties lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cape Coral’s homes were built
pre-19401970s2020+
15.2%
of Cape Coral homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$105,700
County area median income, 4 people (HUD)HUD area median income, Lee County, 4-person household (2026)
$78,104
Cape Coral median household incomeMedian household income in Cape Coral (Census, 2024)
32 of the 93 programs here set their income limit as a share of Lee County’s area median income, adjusted for household size. See the published limits for Lee County
Free help nearbyFree help near Cape Coral
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Cape Coral questions
Does Cape Coral have its own down payment program?
Yes, one: City of Cape Coral SHIP Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Cape Coral.
Can I use assistance on a condo in Cape Coral?
4 of Cape Coral’s 5 local and county programs accept condos. Habitat for Humanity of Lee and Hendry Counties lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Lee County?
Each program sets its own. 32 of the programs here set theirs as a share of HUD’s area median income for Lee County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cape Coral?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Cape Coral. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33904 · 33909 · 33910 · 33914 · 33915 · 33990 · 33991 · 33993
Nearby in Lee
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.