Charlotte County SHIP Purchase Assistance
Deferred second loan · Income limit 120% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Down payment assistance · Florida
Buying a home in Charlotte County, FL
1 county-wide program, 1 city with their own, plus 22 statewide and 62 nationwide.Charlotte has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 22 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in CharlotteAnywhere in Charlotte County
1 program for every Charlotte address1 program that covers every Charlotte address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Punta Gorda, Port Charlotte or Punta Gorda Isles can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Charlotte, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Charlotte city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Charlotte marketThe Charlotte housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Charlotte
- 68% single-familysingle-family
- 3.3% townhousetownhouse
- 5.2% 2–4 units2–4 units
- 13% 5+ unitscondo & apartment buildings (5+ units)
- 10.5% mobile & othermobile home & other
Condos count. The one county-wide program and the one city program list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Charlotte’s homes were built
pre-19401970s2020+
24.6%
of Charlotte 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.
$97,500
HUD area median income, 4 people (FY2026)HUD area median income, Charlotte County, 4-person household (FY2026)
$69,952
Median household income (ACS 2024 5-year)Median household income in Charlotte (Census ACS 2024 5-year)
83.8%
of occupied homes are owner-occupied (Florida: 67.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 25 of the 86 programs here set their income limit as a share of Charlotte County’s area median income, adjusted for household size. See the published limits for Charlotte County
Free help in CharlotteFree help in Charlotte
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
10 cities and placesA to Z
All cities in Charlotte CountyAll 10 cities and places in Charlotte County
has a program of its own
Charlotte questions
Can I use a county program anywhere in Charlotte?
The 1 county-wide program cover homes anywhere in the county. City programs, like Punta Gorda’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Charlotte County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Charlotte programs accept condos?
The one county-wide program and the one city program list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Charlotte?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.