Housing Rehabilitation Program

There are approximately 80 families on the City's waiting list. Expect a 2-5 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. current on utility bills and no code enforcement violations).
  • Property must be free of code enforcement liens or any other liens, judgments, or assessments 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.
  • A deferred payment loan shall be given to the homeowner based on the cost of the rehab work. 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 based on the funding source and the amount of assistance.