Housing Programs

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Housing Projects Before & After

Updated on 08/20/2015 4:53 PM

Homeowner Housing Rehabilitation Program

The City’s Homeowner Housing Rehabilitation Program is funded by the HOME Investment Partnership Program (HOME) and the State Housing Initiatives Partnership (SHIP) Program. Necessary repairs are made to bring homes into compliance with City Code and the Florida Building Code.

Melbourne homeowners who wish to apply for assistance through the Homeowner Housing Rehabilitation Program must meet the following minimum criteria:

  • Own the property to be rehabilitated and maintain that property as their principal residence.
  • Meet the low-income criteria established using the U.S. Department of H.U.D. Income Limits.
  • Make a minimum financial contribution equal to $1 for every $20 of assistance if household income is low or $1 for every $40 of assistance if household income is very low. Extremely low income households are exempt.
  • Assistance cannot cause the applicant to exceed the $75,000 lifetime City housing assistance cap.
  • Home must be located in city limits of Melbourne. Mobile homes are not permitted.

The rehabilitation assistance is made in the form of a deferred payment loan. This type of loan does not have to be repaid as long as the homeowner abides by the terms of the rehabilitation agreement. Depending on the actual amount of assistance, a lien will be placed on the assisted property for 5-15 years. The obligation to repay the assistance expires when the lien period expires.

The City can provide a maximum award of $60,000 in rehabilitation assistance to an eligible homeowner. In the event the cost to rehabilitate the home exceeds $60,000 (plus the minimum contribution), the homeowner would be responsible for paying the difference or possibly referred to the City’s Homeowner Housing Reconstruction Assistance Program.

For more information, contact the Housing & Urban Improvement Division: (321) 674-5734 or huid@mlbfl.org.

Homeowner Housing Reconstruction Assistance Program

Funds are available to provide assistance to eligible low-income homeowners whose homes are substandard and not suitable for rehabilitation under the Homeowner Housing Rehabilitation Program. Maximum assistance is $75,000 for the construction of a new home on site. Assistance includes demolition of existing home and temporary relocation expenses.

For more information, contact the Housing & Urban Improvement Division: (321) 674-5734 or huid@mlbfl.org.

Purchase Assistance Program

The City’s Purchase Assistance Program is funded by the State Housing Initiatives Partnership (SHIP) Program. Assistance is used for down payment, closing costs, and, when necessary, repairs to bring the home into compliance with City Code and the Florida Building Code.

This assistance is made in the form of a deferred payment loan. This type of loan does not have to be repaid as long as the homeowner abides by the terms of the rehabilitation agreement. Depending on the actual amount of assistance, a lien will be placed on the assisted property for 5-15 years. The obligation to repay the assistance expires when the lien period expires.

Meet the low-income criteria established using the U.S. Department of H.U.D. Income Limits.

  • Must be the primary resident for the duration of the lien period.
  • Homebuyer must have the ability to secure a first mortgage from an institutional mortgage lender.
  • Homebuyer must receive homebuyer education and one-on-one counseling before closing.
  • Homebuyer must make a minimum good faith contribution towards the purchase ($1,000 for very low-income or $1,500 for low-income).
  • Preference is given to first-time homebuyers.
  • Home must be located in city limits of Melbourne. Mobile homes are not permitted.

For more information, contact Community Housing Initiative Inc.: (321) 253-0053.

Tenant Based Rental Assistance Program

The City of Melbourne’s Tenant Based Rental Assistance (TBRA) program is funded by the HOME Investment Partnership program. This Federal Source provides the City with funding to assist extremely low and very low income households with monthly rental and utility expenses.

The TBRA program provides temporary monthly rental assistance—a maximum of two years—to households headed by a person who is either elderly or disabled. It is expected that assistance recipients will transition to a permanent housing subsidy program.

Persons who wish to apply for assistance through the City of Melbourne’s Tenant Based Rental Assistance Program must meet certain eligibility requirements.

  • Household income may not exceed 50% of the median income adjusted for family size for the Palm Bay-Melbourne-Titusville MSA as determined annually by HUD.
  • All adult household members must either be a person who is elderly or a person with a disability.
  • Households currently residing in Public Housing or other rent subsidized housing are not eligible for TBRA.
  • Applicants may not have been evicted from Public Housing or other rent subsidized housing during the last five years and must not have any outstanding debt owed a federal or state housing program (unless an approved repayment plan is in effect and current).
  • No member of the household may have engaged in drug related or violent criminal activity during the last three years.
  • Assistance cannot cause the applicant to exceed the $75,000 lifetime City housing assistance cap.
  • The total assets of the household must not exceed $2,000.

If approved for TBRA, the rental unit chosen by the TBRA recipient must meet the following eligibility guidelines:

  • The unit must be located in the city limits of Melbourne.
  • The unit must comply with the more restrictive of the International Property Maintenance Code and the Section 8 Housing Quality Standards.
  • A lease of at least 12 months is required. Assistance for overnight or emergency shelter is prohibited.
  • Units receiving project-based Section 8 assistance are ineligible.
  • Contract rent for the unit must be reasonable for the unit size as determined by the City.

For more information, contact the Housing & Urban Improvement Division: (321) 674-5734 or huid@mlbfl.org.

Neighborhood Stabilization Program 3 (NSP3)

The Melbourne community benefits from a variety of grants including those from state and federal programs. It is the City's goal to maintain compliance and allow the public to have ready access to grant reports and other information. You will note that contact telephone numbers and e-mail addresses are available with each of the files linked from this page, so that you can request additional information if needed.

Review NSP3 Quarterly Performance Reports

In March 2011, the US Department of Housing and Urban Development (HUD) awarded Melbourne $1,257,986 in NSP3 funds for the purpose of mitigating the negative impact of the economic decline and to reduce blight, bolster neighboring home values, create jobs and produce affordable housing in communities hardest hit by the economic decline and housing market collapse.

The City of Melbourne will utilize the NSP3 funds for financing the acquisition and rehabilitation of homes for sale or lease to individuals and families with incomes that do not exceed 120% of area median income, for program administration and for related activity delivery costs.

Rental Development Program

Funds are available for acquisition, rehabilitation and new construction of rental housing affordable to low-and very low-income households. Maximum assistance is $50,000 per unit. For profit entities must contribute a 100% match.

For more information, contact the Housing & Urban Improvement Division: (321) 674-5734 or huid@mlbfl.org.