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Now open: St. Cloud roof replacement program

We are accepting applications for our FREE roof replacement program in partnership with the City of St. Cloud!

This program is made possible by:

Interested applicants, please read the information below for more about the program’s requirements and then click on the button below to fill out our pre-application survey.

Please note: Spots for qualified applicants are very limited, so don’t wait – apply today!

Also note, that upon approval, starting the repair is dependent on when program funding is received. It may take several months after receiving approval for the repair work to be completed.

Please read the information below for more information on the program’s requirements. A link to the prequalification survey – the first step of an application – is located at the end of the page.

Download flyer

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

*Please Note: The eligibility requirements above are intended to 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 $4,504 $54,050
Two $5,150 $61,800
Three $5,792 $69,500
Four $6,433 $77,200
Five $6,950 $83,400
Six $7,463 $89,550
Seven $7,979 $95,750
Eight $8,496 $101,950

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.

Interested applicants, please click the button below to fill out our pre-application survey.

Take the Pre-Application Survey

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.