Click to Home
CommunityDepartmentsDoing BusinessServicesVisitorsYour Government
Go To Search
Housing Rehabilitation Program
There are approximately 80 families on the City's waiting list. Expect a 3-5 year wait for housing rehabilitation assistance. Contact the Housing & Neighborhood Services Division at (321) 433-8520. Pre-applications can be submitted online, click here.

Funds are available to eligible very-low and low-income homeowners for the rehabilitation of owner-occupied dwelling units.
  • Maximum assistance per unit is $45,000.
  • Eligible applicants will be selected on a first-come, first-qualified and ready basis within income groups. However, persons with special needs will be given priority to address accessibility issues.
  • The home to be rehabilitated must be located in the City of Cocoa.
  • Applicants must demonstrate the ability to pay property taxes, insurance, utilities, and existing mortgage payment; and must be able to maintain the property free of non-structural code violations.
  • First time applicants will be given priority over previously assisted persons. Exceptions may be made for eligible property owners in cases where living conditions threaten the personal health and safety of the household.
  • Applicants must be in good standing with the City (e.g. city utility account).
  • Property must be free of code enforcement liens or any other liens, judgments, or assessmenst unless owner has made arrangements to payoff or such violation will be addressed in the work write-up.
  • Applicants must agree to participate is a City sponsored or approved home maintenance education program.
  • Twenty-year, 0% interest, deferred payment loans with no payments owed as long as the applicant remains the primary occupant and does not sell or transfer title. The deferred payment loan will be secured by a lien against the property. Funds will be recaptured if, at any time prior to the end of the lien period, the property ceases to be the principal residence of the owner. The lien period is up to 20 years, forgivable at a rate of 5% per year, depending on amount of assistance.