Not a government agency. We point you to the official office and show where every fact came from.

The Daily Check

County program

Low-Income Owner-Occupied Home Rehabilitation Program (Emergency & Substantial Repair - HOME + SHIP)

all of Santa Rosa County, including Milton and Gulf Breeze - no evidence found of a separate city-run program; both cities appear to be served through the county

What it can pay for

Run by
Santa Rosa County Housing Department
Where
Santa Rosa County, Florida
Status
Waiting list
Status note
The county's own program page and program brochure both state plainly: 'A wait-list exists for both programs' (HOME and SHIP). This is a hard waitlist, not a seasonal closure - there is no indication either program is currently taking new applications outside the wait list.
Most it pays
No maximum dollar figure is published in the county's own program brochure or webpage (unusual compared to neighboring counties, which do publish a cap). The brochure explicitly states this is NOT a remodel program - strictly safe/sanitary repairs and correction of building-code violations.
Terms
Funds are a deferred payment loan. Emergency Repair projects get a 5-year lien. Substantial Repair projects get a 10- or 15-year lien, with the exact term depending on the household's income level and the age or disability of the applicant/household member (older or disabled applicants appear to get the shorter, more favorable term based on the brochure's wording, but the exact cutoff rule is not spelled out - call to confirm).
Who qualifies
80% Area Median Income (2026 table, matches the Pensacola MSA figures used by Escambia County): 1-person $52,250; 2-person $59,700; 3-person $67,150; 4-person $74,600; 5-person $80,600; 6-person $86,550; 7-person $92,550; 8-person $98,500.
Other rules
Home must be owner-occupied with homestead exemption claimed. Property taxes must be current. Site-built homes only - mobile homes are explicitly NOT eligible. All household members must provide income and asset information.
How to apply
Contact the Housing Department to be placed on the wait list. QR code on the program brochure links to the county housing website.
Official source
santarosa.fl.gov
Last checked
September 29, 2026