Pensacola and Escambia County SHIP Homebuyer Program

Administered by: City of Pensacola and Escambia County Neighborhood Enterprise Division · City · Forgivable Loan

Funding status: Waitlist

How much assistance

Up to $45,000 (Forgivable Loan)

Zero-interest deferred forgivable loan, forgiven after 10 years of owner-occupancy.

Eligibility

  • Income limits: Low to moderate income; must meet SHIP income limits adjusted for household size
  • First-time buyer required: Yes
  • Geographic restrictions: Must purchase within Escambia County or City of Pensacola boundaries.
  • Homebuyer education required: Yes

How to Apply for Pensacola and Escambia County SHIP Homebuyer Program

Step 1: Contact the City of Pensacola Housing Department at 420 W. Chase St., Pensacola, FL 32502 or call (850) 436-5600 to check funding availability and apply.

Visit program website

Notes

SHIP funding is allocated periodically by the state. As of July 2024, all current SHIP homebuyer funding was committed. Check with the city for new funding cycles.

Cities Where This Program Is Available