Polk County Down Payment Assistance Programs — 2026 Guide
Polk County homebuyers in Lakeland, Winter Haven, and Bartow have access to SHIP grants, city programs, and Florida state DPA. Here is what is available and how to qualify in 2026.
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Ship Program
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Florida SHIP Budget Cuts 2026 — What the $225 Million Veto Means for Tampa Bay Homebuyers
Governor DeSantis vetoed $225 million from Florida's SHIP program in the 2026-27 budget. Here's what Tampa Bay buyers need to know about county down payment assistance availability right now.
Read MoreFlorida's SHIP Program Explained — What Tampa Bay Buyers Need to Know in 2026
The State Housing Initiatives Partnership (SHIP) program funds local down payment assistance across all 67 Florida counties. Learn how much SHIP offers in Hillsborough, Pinellas, and Pasco, and how to stack it with Hometown Heroes.
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