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Highlands County SHIP Program – Rental Development

Highlands County Housing Division · County program

0% interest loan; no dollar cap stated

Highlands County provides SHIP gap financing to developers building or rehabilitating affordable rental units. The funding is a zero-interest loan and the county says applications are accepted through a year-round RFQ process.

Last verified: August 26, 2026

Program details

How it works

Highlands County says this SHIP strategy funds developers of affordable rental units that have already been awarded construction financing through other state or federal housing programs. The money is intended as gap financing for the project.

What the money covers

  • Construction or rehabilitation of affordable rental units
  • Gap financing for affordable rental housing projects

Amounts and repayment

  • Assistance is provided as a loan at 0% interest.
  • The page does not state a dollar cap.

How to apply

  • Developers apply to the county through an RFQ process.
  • The RFQ is open year-round.
  • Applicants must contact the Housing office at 863-402-6648.
  • Developers will be required to meet compliance reporting requirements for SHIP rental units.

Timing and deadlines

  • The RFQ process is open year-round.
  • The page does not give a closing date.

Full eligibility details

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