Plans & Reports
Some of the files below are Adobe® PDF
documents.
Documents
- Clearwater HUD Low/Mod
Census Income Data
- Fair Housing
- Income Certification Charts
- Lead-Based Paint - Education & Outreach
- People with Disabilities
- Predatory Lending Documents
- New
HUD Rule on Predatory Lending
- Senior Housing
- NEW! - FY 09-10 Subrecipient Agency Handbook
- Homelessness
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Programs
Do You Own a Home In Need of Repairs?
Are You Considering Buying a Home?
The City of Clearwater's Housing division and its community partners
may be able to help.
Down-payment and closing-costs assistance and/or rehabilitation
loans are available for eligible households.
Homeownership Rehabilitation
The City of Clearwater can provide loans to help you rehabilitate
your home.
- To be eligible for the City of Clearwater's Housing Rehabilitation
Loan program, you must own and occupy a single-family home. Your
rehabilitation plans must address all code related repairs found
in the home.
- Financing of certain items such as appliances, window treatments,
swimming pools and spas cannot be included as part of these programs.
- The assistance will be in the form of a deferred payment loan
or low interest loan,depending on a household's income and nature
of the rehabilitation. A deferred payment loan allows the borrower
to delay repayment on the loan as long as they reside in the home
(other conditions also apply).
- Emergency Repair loans are also available to correct serious
home hazards such as roof and plumbing leaks and electrical problems.
Rehabilitation - Q & A
Homebuyer Assistance
Loan funds are available to help homebuyers cover part of their
down payment and closing costs when purchasing a home.
The City of Clearwater through its approved non-profit housing
agencies provides down payment and closing costs assistance to income
eligible households who meet the program criteria. Assistance is
provided in the form of a deferred payment loan with no interest
and/or payments as long as the borrower does not sell, refinance,
rent or otherwise transfer title of the property. The property to
be purchased must be borrower's principal residence. Loans of up
to $50,000 can be made depending on income level, the location of
the home and whether the home is new or existing. Homes that receive
assistance must be new construction or involve some form of rehabilitation
to be eligible. The City will provide additional funds for persons
desiring to build a home in one of the City’s Target Areas.
The maximum sales price for existing and new homes is $170,000.
Loans are not provided for refinancing. Borrowers must attend a
free Home Buyer Education workshop prior to receiving assistance.
For more information on the workshops and program please contact
one of the organizations listed.
Requirements for all programs
- Borrowers/Participants must meet program income guidelines
- Homes must be in the city limits of the City of Clearwater
- Borrowers/Participants must provide documentation on their household
income and assets along with other program requirements
- All program are governed by the United States Department of
Housing and Urban Development, The State of Florida - State Housing
Initiatives Partnership (SHIP) Program and/or the City of Clearwater's
- Economic Development and Housing Department - Housing Division
- An experienced Loan Officer will help determine if you or your
households meet the guidelines for the program
Information you will need to provide
Borrowers/Participants seeking rehabilitation assistance must provide
the following items at a minimum:
- A copy of the Warranty Deed
- Proof of Home Owner's Insurance
- Title Insurance Policy
- Income Eligibility
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Where to Get Help
Community Housing Partners
You may call the city's Housing division or contact one of the
approved non-profit organizations listed below to find out what
documentation you will need to submit along with your application.
Clearwater Neighborhood Housing Services, Inc. (R)
Down Payment & Rehabilitation Asst. & Homeowner Education Classes
608 North Garden Avenue
Clearwater, Florida 33756
(727) 442-4155
(727) 446-4911
Community
Service Foundation
Education, Homebuyers Club: Education
925 Lakeview Avenue
Clearwater, Florida
(727) 461-0618
The
Homebuyers Club of Tampa Bay
2139 NE Coachman Road
Clearwater, Florida 33758
(727) 446-6222
Homes for Independence (R)
Rehabilitation
2735 Whitney Road
Clearwater, FL 33760
(727) 538-7370, ext. 357
Habitat for Humanity of Pinellas County
Homeownership
3071 118th Avenue N.
St. Petersburg, FL 33716
(727) 536-4755
Tampa
Bay Community Development Corporation
Down Payment Assistance, & Homeowner Education Classes
2139 NE Coachman Road
Clearwater, Florida 33758
(727) 442-7075
(727) 442-4575
(R) - These organizations perform rehabilitation
activities.
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