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The Daily Check

County program

Escambia County Homeowner Repair Program (SHIP/CDBG Rehabilitation, Emergency Repair, Barrier Removal)

unincorporated Escambia County ONLY; EXCLUDES City of Pensacola, which runs its own separate program (see next entry)

What it can pay for

Run by
Escambia County Neighborhood Enterprise Division
Where
Escambia County, Florida
Status
Closed for now
Status note
As of 9/28/2026 unincorporated Escambia County is accepting ONLY Sewer Connection Assistance applications. Full rehab, emergency repair and barrier-removal strategies are wait-list only (a county staffer was reported in April 2025 saying the rehab wait list was 'approaching 400 families' - secondary source, not independently confirmed by the county).
Most it pays
$75,000
Terms
Under $10,000 stays a straight grant with no lien. Over $10,000 becomes a deferred-payment loan secured by a mortgage/lien, forgiven over 5 to 20 years depending on the strategy - ask which term applies before signing. Refinancing or a reverse mortgage during the lien term counts as a default under the county's plan.
Who qualifies
Up to 120% of Area Median Income (Escambia AMI $92,800 for 2026, eff. 5/1/2026): Very Low (50%) $32,650/1-person-$37,300/2-person; Low (80%) $52,250/1p-$59,700/2p; Moderate (120%) $78,360/1p-$89,520/2p. Full rehab is limited to Very Low/Low; emergency repair and barrier removal serve all three tiers.
Other rules
Active homestead exemption required, property taxes current, no county/city liens or judgments on the home. Home value may not exceed 90% of the average area purchase price ($510,939). 'Special needs' applicants (disabling condition needing independent-living services, or receiving SSDI/SSI/VA disability) get priority on the wait list. Mobile/manufactured homes are NOT eligible under the county's current plan (as of the 9/22/2025 LHAP revision, the county had not yet added the mobile-home strategy required statewide by SB 594 effective 7/1/2026 - City of Pensacola has added one, see below).
How to apply
Call the Neighborhood Enterprise Division for your address's eligibility and to be placed on the wait list. No statewide application deadline; the county must advertise 30 days ahead UNLESS the program is wait-list only, in which case no ad is required.
Official source
myescambia.com
Last checked
September 28, 2026