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Notice of Funding Available (NOFA) for Homestead Infill Line of Credit Program
Single Family Construction
NOFA Release Date: Tuesday, March 17, 2026
Applications Due Date: Rolling Application
First Review Beginning: Friday, March 27, 2026
Program
The City of Lakeland Housing Division is offering development funding for the construction of affordable single-family homes on infill lots within the city limits. Construction financing will be provided up to a maximum of $200,000 per unit.
Funding is intended to assist income qualified property owners looking to build homes that will serve as their primary residence. Eligible applicants must have a household income at or below 140% of the Area Median Income (AMI). Priority will be given to property owners with income levels at or below 100% AMI.
Property owners must apply in partnership with a builder that has been approved by the City of Lakeland housing division as a certified affordable housing developer
Requirements
1. Applicants must own a buildable lot within the city limits of Lakeland and occupy the home as their primary residence upon completion of construction.
2. Applicants must apply in partnership with a certified affordable housing developer and must include a fully executed construction contract.
3. Applicants must provide a mortgage pre-approval letter or letter of intent from a lender indicating financing for the purchase of completed home.
4. The home shall meet architectural and design standards established by the City of Lakeland.
5. Approved applicants will enter into a loan agreement with the City of Lakeland, with final terms to be negotiated upon approval for program funding.
6. Applicants must have a household income at or below 140% of the Area Median Income (AMI) and priority will be given to applicants with incomes at or below 100% AMI.
7. Priority consideration will be given to any applicant that has purchased a lot through the City of Lakeland Infill Landbank program.
Instructions
1. Please apply online through the developer portal at the following link:
https://portal.neighborlysoftware.com/LAKELANDFL/Participant
New users must first register their account, before signing into the portal. Please select the Development Incentive Programs Portal and fill out the relevant sections, be sure to select “Infill Line of Credit” in Section B. Incentives.
2. Applications submitted before 5:00 pm on Friday, March 27, 2026, will be included in the initial review period. Applications received after this time will be accepted on a rolling basis and may be considered as funding becomes available.
3. Applications will be reviewed by the Affordable Housing Review Committee within approximately one week following the close of the initial review period. Funding recommendations will be presented to the City Commission for final approval.
4. The City reserves the right to reject any and all applications.
5. Up to three applicants may be funded concurrently. Additional funding may become available as loans are repaid, and program funds are replenished.
6. For additional information, please contact the City of Lakeland Housing Division:
Phone: (863) 834-3360
Email: housing@lakelandgov.net
Our Mission:
Providing adequate, safe and affordable housing to very low, low and moderate income residents, while supporting the City of Lakeland's redevelopment efforts and promoting self-sufficiency.
The City of Lakeland's Housing Office administers a number of Federal and State grant programs designed for the preservation and development of affordable housing and expended economic opportunities for persons of low to moderate income.
Funding is generally restricted to benefit very low, low and moderate income residents and families. See Income Chart or contact the Housing Office for additional details.
What is Affordable Housing?
Housing is affordable if it costs no more than 30% of one’s income. People who pay more than this are considered “cost-burdened.” Those who pay more than 50% are “severely cost-burdened.” High housing prices can slow down a local economy, leaving jobs unfilled and siphoning spending power away from local goods and services.
The City of Lakeland is committed to partnering with developers to encourage the construction of safe, affordable, high-quality housing. The following table shows units constructed or planned from October 2019 to present.
Housing Rehabilitation Available
The City of Lakeland's Planning & Housing Division is accepting applications for Rehabilitation of Owner-Occupied, Single-Family Homes ONLINE ONLY. Applicants must own and have lived in their home for at least one year prior to applying for rehabilitation assistance. Mobile homes and rental properties are not eligible for rehabilitation assistance. Homes in historic districts are subject to additional program restrictions.
| CITY OF LAKELAND, FLORIDA | ||||
| HOUSING ASSISTANCE INCOME SCHEDULE | ||||
| % OF AREA MEDIAN INCOME | CDBG & HOME UP TO 80% (Federal Funds) | |||
| EXTREMELY LOW | VERY LOW | LOW | ||
| 30% | 50% | 60% | 80% | |
| BASED ON FAMILY SIZE | HUD & FHFC | HUD & FHFC | FHFC | HUD & FHFC |
| 1 | 17,500 | 29,200 | 35,040 | 46,700 |
| 2 | 20,000 | 33,350 | 40,020 | 53,350 |
| 3 | 22,500 | 37,500 | 45,000 | 60,000 |
| 4 | 25,000 | 41,650 | 49,980 | 66,650 |
| 5 | 27,000 | 45,000 | 54,000 | 72,000 |
| 6 | 29,000 | 48,350 | 58,020 | 77,350 |
| 7 | 31,000 | 51,650 | 61,980 | 82,650 |
| 8 | 33,000 | 55,000 | 66,000 | 88,000 |
|
Income levels are based on Area Median Income (AMI) for family of four at $83,300. Data effective June 1, 2025 and retrieved from the following web sources: Housing and Urban Development (HUD) |
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The Planning & Housing Division is located:
1104 Martin L. King, Jr. Avenue
Lakeland, Florida 33805
Sources of funding for this program may include Community Development Block Grant (CDBG), HOME Investment Partnerships Program (HOME), and the State Housing Initiatives Partnership Program (SHIP). For more information, please contact the Housing Office at 863.834.3360 or by email to housing@lakelandgov.net.
