Up to $0 toward a down payment in FL.
Flagler County and City of Palm Coast jointly pool SHIP funds providing up to $50,000 for down payment, closing costs, and eligible repairs. Year-round applications accepted for most strategies. HUD counseling through Mid-Florida Housing Partnership.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on Flagler County / City of Palm Coast Joint SHIP Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.