Affordable Home Buying Program (2025)

Several affordable home buying programs provide financial support for low-to-moderate-income families through grants, forgivable loans, and low-down-payment mortgages. Depending on your location, you may qualify for up to in assistance. Local Assistance (Pensacola & Escambia County)

: Allows qualifying individuals to buy or build homes in rural areas with no money down . affordable home buying program

: Requires "sweat equity" and provides affordable mortgages where monthly payments do not exceed 30% of gross income. State and Federal Programs offering up to $12

: Low-down-payment options such as 3.5% down for FHA or 3% down for Freddie Mac's Home Possible program. 500 for low-income families.

: Jointly managed by the City of Pensacola and Escambia County , offering up to $12,500 for low-income families.