Under the HOME Reconstruction Program, the City provides direct loans for reconstruction of dilapidated, owner occupied properties.

Only single-family properties are eligible for HOME assistance. A single family property is defined as one dwelling unit property from which no income is derived by the occupancy, use, rental, or lease of any portion or space within that property.

The Program's goals are to preserve housing and the quality of older neighborhoods, rehabilitate deteriorated properties, provide assistance to lower income homeowners to maintain their homes as safe, sound and sanitary dwellings, and maintain the community's affordable housing stock.

Requests for assistance under this program are taken on a first-come, first-serve basis. To qualify for assistance, applicants must meet specific program requirements.

To learn more about the HOME Reconstruction Program and its eligibility requirements, contact the Housing Department at 850-858-0350 for additional information.

Ellibility Requirements

• The homeowner's house must require immediate repair to provide a safe, sound, and sanitary structure;
• The cost of the needed repairs must not exceed the Program's cap of $7,500; 
• The family's gross household income shall not exceed 80% of the community's median income adjusted for family size as defined by the U. S. Department of Housing and Urban Development.
• Each Owner will be assisted to secure repairs only within the categories defined as eligible immediate repairs, which are defined as follows:
  • Roof  - The roof must be leaking or deteriorated to the point that leaking will occur within six months of the inspection.
  • Electrical  - The electrical system does not conform with the City of Pensacola  Inspection Department's requirements for electrical systems and safety in existing residences.
  • Plumbing  - Leaking or inoperative water supply and waste piping; a kitchen sink, lavatory, tub or shower, and water closet which are not properly installed and maintained in a sanitary working condition free from defects, leaks, and obstructions;  water heating facilities which are currently or imminently unsafe or inoperable.
  • Heating Facilities - Presence of unapproved, unvented fuel burning heaters in bedrooms and bathrooms; heating facilities which are inoperative, improperly installed, or incapable of safely and adequately heating all habitable rooms and bathrooms.
  • Structural - Building foundation system which is incapable of supporting the loads which would normally be placed upon it during normal use.