Owner-Occupied Housing Rehabilitation Program

Notice: Program Closed

Effective July 1st 2020, the program will close to new applicants until further notice.

About

The Housing Rehabilitation Program is designed to assist very low- and low-income home owners with minimum housing repairs to eliminate housing code violations. Through this program, the City of Titusville will help provide decent, safe, and sanitary housing for the residents of Titusville and contribute to a long-term and viable housing stock for the future.

Priority assistance is given to "special needs" individuals as defined by Statute.

Requirements

The following requirements must be met:

  • The housing unit must fail to meet one or more building code conditions. The minimum amount of repairs needed is $2,000.
  • Income Verification
    Your income must be within the limits specified by the United States Department of Housing and Urban Development (HUD). You will need to provide proof of income for all members of the household. Self-employed applicants must provide profit and loss statements and/or a signed copy of your last year’s tax return. Income includes, but is not limited to:
    • Child support
    • Disability
    • Interest income
    • Pension
    • Social security
    • Supplemental Security Income (SSI)
    • Wages
  • Location
    Property must be located within the city limits of Titusville.
  • Must have homeowner’s insurance coverage, including hurricane damage
  • Must have owned and occupied the home for at least one year.
  • Properties with extraneous junk and debris, excessive overgrowth, and vehicles in violation of Sections 12-23, 13-26, and 13-73 respectively of the City’s Code of Ordinances shall be declared ineligible for assistance, and shall not be reconsidered for the program until such time the violations have been corrected to the satisfaction of the City.
  • Property Ownership
    The property must be owner-occupied. You will need to provide a copy of your deed. Mortgage and property taxes must be current. You will need to provide mortgage statements and proof of paid taxes.
  • Reasonable maintenance and care of the property by the owners has been made over the years and appears will continue.
  • The value of the property after rehab must not exceed the affordable housing amount for existing homes in the City of Titusville; the current limit is $185,000.

2019 Income Guidelines (Subject to Change)

Max Household Income

Max household income based on household size

SizeAnnual Income
1 person$38,750
2 persons$44,300
3 persons$49,850
4 persons$55,350
5 persons$59,800
6 persons$64,250
7 persons$68,650
8 persons$73,100


Assets Verification

You will be required to provide proof of all assets, such as:

  • Bonds
  • Checking accounts
  • Individual retirement accounts (IRA)
  • Life insurance policies
  • Machinery
  • Retirement accounts (such as 401k)
  • Savings accounts
  • Stocks
  • Vehicles
  • Other

Additional Information

The City offers several types of assistance designed as deferred loans, such as Emergency Repairs, Rehabilitation, and Foreclosure Prevention programs.

For specific details on the City of Titusville’s Housing Rehabilitation Program, you may request a copy of our policy by calling 321-567-3784.