Opening soon: St. Cloud roof replacement program

We are excited to debut a FREE roof replacement program in partnership with the City of St. Cloud. Please sign up below to receive a notification when the application portal opens.

Interested applicants, please read the information below for more about the program’s requirements.

Get updates on when the application cycle will reopen as well as learn about our other home preservation programs by subscribing to our interest list.

This program is made possible by:

Eligibility requirements include*:

  • No mobile or manufactured homes
  • No townhomes
  • Maximum income requirements (please see table)
  • Must own and live in your home
  • Taxes & mortgage are current
  • Located in the City of St. Cloud
  • Certain specialized roof types may not be eligible
  • Maximum assessed value $345,000

*Please Note: The eligibility requirements above are intended provide an overview, rather than an exhaustive list. Award will be subject to approval of final application through the City of St. Cloud and funding availability.

Current income limits:

Family Size Max Monthly Gross Income Max Annual Gross Income
One $4,096 $49,150
Two $4,683 $56,200
Three $5,267 $63,200
Four $5,850 $70,200
Five $6,321 $75,850
Six $6,788 $81,450
Seven $7,254 $87,050
Eight $7,725 $92,700

The application process

  1. When we are accepting applications, there is a prequalification survey on this page. You will be asked about the requirements listed above.
  2. If you meet the prequalification requirements, you will be sent a formal application – and be asked to submit supporting documents, such as:
    • Identification documents for all household members such as birth certificates, social security cards and driver’s licenses
    • Legal documents verifying relationships such as marriage licenses, divorce decrees, adoption or guardianship papers
    • Income documentation such as pay stubs, benefit award letters (SSI, Social Security Retirement etc), child support order and payment history, tax returns
    • If self-employed, we require the following:
      • Must provide complete tax returns (w2 or 1099) for the two most recent years (All schedules must be included).
      • Year to Date Profit and Loss (prepared by third party)
    • Asset verification for all household members, including most recent bank statements for checking, savings, money market, CD’s. Verification of any stocks, bonds, retirement plans or life insurance policies.
    • Proof of homeowners insurance and flood insurance if home is in a flood zone
    • Most recent mortgage statements
    • Proof you live in the home
    • Proof you own the home
    • Each applicant’s situation is unique and the documents required will depend on the applicant’s individual situation.
  1. Habitat Orlando & Osceola construction staff will contact applicants for a roof pre-inspection. This may take several months.
  2. Eligible applicants will then be sent to the funding agency for final approval. This may take several months.
  3. Approved applicants will be contacted to execute final paperwork for the roof repair to be completed.

Questions? Call Habitat Orlando & Osceola at 407-648-4567 or email.

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.