Deferred second loan
City of Naples SHIP Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Collier County
Buying a home in Naples, FL
1 Naples program, 2 county programs and 26 statewide.Naples has 1 program of its own, 2 more across Collier 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.
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Only for Naples addresses
Naples’s own program
Anywhere in CollierAnywhere in Collier County
2 county programs2 county programs a Naples homebuyer can also use
The Naples marketThe Naples housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Naples
- 31.2% single-familysingle-family
- 2.7% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 59.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. 2 of Naples’s 3 local and county programs accept condos. Habitat for Humanity of Collier County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Naples’s homes were built
pre-19401970s2020+
44.9%
of Naples 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.
$121,000
County area median income, 4 people (HUD)HUD area median income, Collier County, 4-person household (2026)
$153,182
Naples median household incomeMedian household income in Naples (Census, 2024)
30 of the 91 programs here set their income limit as a share of Collier County’s area median income, adjusted for household size. See the published limits for Collier County
Free help nearbyFree help near Naples
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Naples questions
Does Naples have its own down payment program?
Yes, one: City of Naples SHIP Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Naples.
Can I use assistance on a condo in Naples?
2 of Naples’s 3 local and county programs accept condos. Habitat for Humanity of Collier County 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 Collier County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Collier 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 Naples?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Naples. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34101 · 34102 · 34103 · 34104 · 34105 · 34106 · 34108 · 34109 · 34110 · 34112 · 34113 · 34114 · 34116 · 34117 · 34119 · 34120
Nearby in Collier
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.