Collier County (Naples) offers tiered SHIP assistance, up to $50,000 for very-low-income buyers, plus the statewide Florida programs.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Sourced from Collier County and Florida Housing · Last updated: June 2026
In Collier County, the amount of local help scales with your income level, and you can pair it with the statewide Florida Housing programs.
Collier County local assistance
The county’s SHIP program is a 30-year deferred-payment second mortgage (no payments, no interest) for first-time buyers of a single-family home or condo in Collier County. The maximum award is tiered by income:
| Income level | Maximum assistance |
|---|---|
| Very-low income (at or below 50% AMI) | $50,000 |
| Low income (at or below 80% AMI) | $30,000 |
| Moderate income (at or below 120% AMI) | $20,000 |
| Essential Services Personnel | +$5,000 added to the above |
Funds are limited and awarded by application cycle, so confirm current availability with Collier County Community and Human Services before you shop.
Statewide programs you can also use in Collier County
- Hometown Heroes: up to $35,000 for full-time workers in 50+ eligible occupations
- Florida Assist: up to $10,000, 0% deferred second mortgage
- HFA Preferred: conventional loan with reduced mortgage insurance plus assistance
- Mortgage Credit Certificate: up to $2,000/year federal tax credit
See the full breakdown on our Florida down payment assistance guide and the 2026 Collier County loan limits (Collier is a higher-cost county, so its limits are above the Florida floor).
How to get started
Start with a HUD-approved homebuyer education course and get pre-qualified with a participating lender. Request a free eligibility check and we’ll map the Collier County and statewide programs you qualify for.
Sources: Collier County Community and Human Services (collier.gov) and the Florida Housing Finance Corporation, 2026. Local funding is limited and allocated each cycle; verify current terms with the administering office.