Palm Beach County SHIP Purchase Assistance Program
Deferred second loan · Income limits
Down payment assistance · Palm Beach County
Buying a home in Royal Palm Beach, FL
5 county programs and 26 statewide.Royal Palm Beach has no program of its own, 5 across Palm Beach 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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What’s local to Royal Palm Beach
No program of Royal Palm Beach’s own yet
No program run for Royal Palm Beach alone is listed. A home in Royal Palm Beach can use Palm Beach County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Wellington, about 3 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Palm BeachAnywhere in Palm Beach County
5 county programs5 county programs a Royal Palm Beach homebuyer can use
9 more programs are for homes in Jupiter, Boca Raton, Boynton Beach, Delray Beach, Lake Worth Beach, Wellington, West Palm Beach and Riviera Beach. See them 9 programs in neighboring cities — for homes inside those cities, not Royal Palm Beach
- Jupiter — Town of Jupiter Down Payment Assistance
- Boca Raton — City of Boca Raton SHIP Purchase Assistance
- Boynton Beach — City of Boynton Beach SHIP Purchase Assistance
- Delray Beach — City of Delray Beach First-Time Homeownership Program (SHIP)
- Lake Worth Beach — City of Lake Worth Beach SHIP Purchase Assistance
- Wellington — City of Wellington SHIP Purchase Assistance
- West Palm Beach — City of West Palm Beach First-Time Homebuyers Program
- Delray Beach — Delray Beach Community Land Trust
- Riviera Beach — Riviera Beach Community Development Corporation Renaissance Program
The Royal Palm Beach marketThe Royal Palm Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Royal Palm Beach
- 65% single-familysingle-family
- 15.5% townhousetownhouse
- 3.6% 2–4 units2–4 units
- 15.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. 3 of Royal Palm Beach’s 5 local and county programs accept condos. Community Land Trust of Palm Beach County & Treasure Coast lists single family and townhouse. Habitat for Humanity of Palm Beach County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Royal Palm Beach’s homes were built
pre-19401970s2020+
16.1%
of Royal Palm Beach 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.
$107,600
County area median income, 4 people (HUD)HUD area median income, Palm Beach County, 4-person household (2026)
$96,027
Royal Palm Beach median household incomeMedian household income in Royal Palm Beach (Census, 2024)
32 of the 93 programs here set their income limit as a share of Palm Beach County’s area median income, adjusted for household size. See the published limits for Palm Beach County
Free help nearbyFree help near Royal Palm Beach
7 HUD-approved counseling agencies within 15 miles7 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.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Royal Palm Beach questions
Does Royal Palm Beach have its own down payment program?
No program run for Royal Palm Beach alone is listed. A home in Royal Palm Beach can use the 5 programs that cover Palm Beach County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Royal Palm Beach?
3 of Royal Palm Beach’s 5 local and county programs accept condos. Community Land Trust of Palm Beach County & Treasure Coast lists single family and townhouse. Habitat for Humanity of Palm Beach 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 Palm Beach County?
Each program sets its own. 32 of the programs here set theirs as a share of HUD’s area median income for Palm Beach 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 Royal Palm Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Royal Palm Beach. Create a free account and take the 90-second match to see the ones near you.
Nearby in Palm Beach
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.