Deferred second loan
City of Punta Gorda SHIP Purchase Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Charlotte County
Buying a home in Punta Gorda, FL
1 Punta Gorda program, 1 county program and 26 statewide.Punta Gorda has 1 program of its own, 1 more across Charlotte 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 Punta Gorda addresses
Punta Gorda’s own program
Anywhere in CharlotteAnywhere in Charlotte County
1 county program1 county program a Punta Gorda homebuyer can also use
The Punta Gorda marketThe Punta Gorda housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Punta Gorda
- 57% single-familysingle-family
- 4.2% townhousetownhouse
- 9.7% 2–4 units2–4 units
- 22.3% 5+ unitscondo & apartment buildings (5+ units)
- 6.8% mobile & othermobile home & other
Condos count. All 2 of Punta Gorda’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Punta Gorda’s homes were built
pre-19401970s2020+
21.2%
of Punta Gorda 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
County area median income, 4 people (HUD)HUD area median income, Charlotte County, 4-person household (2026)
$85,779
Punta Gorda median household incomeMedian household income in Punta Gorda (Census, 2024)
29 of the 90 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 nearbyFree help near Punta Gorda
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
Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Punta Gorda questions
Does Punta Gorda have its own down payment program?
Yes, one: City of Punta Gorda SHIP Purchase Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Punta Gorda.
Can I use assistance on a condo in Punta Gorda?
All 2 of Punta Gorda’s local and county programs accept condos. 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 Charlotte County?
Each program sets its own. 29 of the programs here set theirs as a share of HUD’s area median income for Charlotte 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 Punta Gorda?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33950 · 33951 · 33955 · 33982 · 33983
Nearby in Charlotte
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.