2026 Funding Now Available

Unlock Up To $103,500 In Assistance

Martin County's SHIP program helps first-time homebuyers cover their down payment and closing costs with a 0% interest, forgivable loan.

0% Interest
No monthly payments
Forgivable
Over 15 years
State Funded
SHIP Program
Primary Home
Martin County, FL
JM
KS
RT
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Join hundreds of Martin County families
Who've used SHIP to buy their first home

Check Your Eligibility

Takes less than 60 seconds

SSL Encrypted
No Credit Check
Private & Secure
Simple Process

What Happens Next?

After you submit the form, here's what you can expect on your path to homeownership.

Quick Review

We'll review your information within 24 hours and check your preliminary eligibility for the program.

1
2

Personal Consultation

A licensed mortgage advisor will call to discuss your situation, answer questions, and explain your options.

Pre-Approval & Education

We'll guide you through the mortgage pre-approval and the required HUD homebuyer education course.

3

Close on Your New Home!

With your assistance secured, you'll close on your new Martin County home with up to $103,500 in support.

Quick Reference

Who Qualifies?

First-Time Homebuyer

Haven't owned a home in the past 3 years (or ever).

Income Qualified

Household income within program limits (varies by family size).

Mortgage Ready

Able to qualify for a first mortgage (we can help determine this).

2026 Income Limits (4-Person Household)

Martin County / Port St. Lucie MSA

Low Income
$75,750
Up to $103,500
Moderate
$113,640
Up to $83,500
View all household size income limits
Limited Funding Available

Ready to See If You Qualify?

Scroll up to complete the quick eligibility check and take the first step toward owning your Martin County home.

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