City of Naples SHIP Program
City of Naples SHIP Program is a deferred second loan for homebuyers in Naples, Florida, administered by Collier County Community and Human Services.
The program asks for
- First-time homebuyer — the program sets its own definition
- The home is occupied as a primary residence
- A completed homebuyer education course
- A home inside Naples city limits
It doesn’t cover
- Households above 120% of area median income
- Homes outside Naples
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
120% of Collier County’s area median income
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Naples’s homesNaples’s homes, and the ones this program accepts
- 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
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$1.5M
Naples median home value
44.9%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Naples
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program before funds are reserved.
Contact Collier County Community and Human Services to reserve funds
Funds are reserved with the provider and are subject to availability.
Work with a lender who handles the program
Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Questions about this program
What is City of Naples SHIP Program?
City of Naples SHIP Program is a deferred second loan for homebuyers in Naples, Florida, administered by Collier County Community and Human Services. City of Naples SHIP-funded purchase assistance for eligible first-time homebuyers within city limits. Separate from Collier County SHIP program. Funding comes from State.
Do you have to pay it back?
City of Naples SHIP Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Repayment is triggered by Sale, Refinance, and Transfer of Title. The assistance is recorded in 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
City of Naples SHIP Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required.
What are the income limits?
City of Naples SHIP Program limits household income to 120% of the area median income, which varies by county and household size. Income up to 120% AMI for Collier County. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.
What kind of home can it be used for?
City of Naples SHIP Program can be used for Single Family, Condo, and Townhouse.
Where does it apply?
City of Naples SHIP Program serves homebuyers purchasing in Naples, Florida.
How do you apply?
Applications for City of Naples SHIP Program go through Collier County Community and Human Services, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Naples homebuyersOther programs open to Naples homebuyers
- Collier County SHIP Purchase AssistanceDeferred
- Habitat for Humanity of Collier CountyGrant
- Florida Hometown HeroesUp to $35,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 91 programs for NaplesProgram terms are set by Collier County Community and Human Services and can change; confirm on the official site before you apply.