Housing Programs

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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.
The home must be located in the city limits of Melbourne.
Mobile homes are not permitted.
Your home's value must not exceed the 2023 home value limit of $481,176.00. (Updated annually)

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 10-20 years. The obligation to repay the assistance expires when the lien period expires.

The City can provide a maximum award of $95,000 in rehabilitation assistance to an eligible homeowner. In the event the cost to rehabilitate the home exceeds $95,000, the homeowner would be responsible for paying the difference or possibly referred to the City’s Homeowner Housing Reconstruction Assistance Program.

For eligibility, please complete the City of Melbourne Neighborly Participant Portal.

The Homeowner Housing Rehabilitation Program Pre-Application Questionnaire has moved to our secure online portal utilizing Neighborly software. All applicants are required to create and register an account.

For more information, contact the Housing and Urban Improvement Division: 321-608-7530 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. Applicant(s) must be able to secure an affordable mortgage from an institutional first mortgage lender or be able to provide sufficient cash resources with which to pay for the reconstructed home when circumstances dictate. Maximum assistance is $107,000 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 and Urban Improvement Division: 321-608-7530 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.

Purchase Assistance Program Request for Proposal Application

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

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. No contribution match requirement for not-for-profit organizations. For-profit entities must contribute a 100% match.

For more information, contact the Housing and Urban Improvement Division: 321-608-7530 or huid@mlbfl.org.

Tenant Based Rental Assistance Program

This program is suspended until further notice.

Hurricane Milton Updates