Housing Grants Office
The purpose of the Jackson County Housing Grants Office is to increase, preserve, and improve housing that is affordable and liveable, to the extent possible, ensuring long-term affordability and contributing to neighbourhood revitalization.
Jackson County achieves its mission of providing safe, decent, affordable housing for its citizens by maintaining partnerships with:
- Local, state, and federal agencies
- Affordable housing developers
- Non-profit organizations
- Others who share the common goal of producing affordable housing
Jackson County is a recipient of funds from Florida Housing Finance Corporation, State Housing Initiative Partnership Program (SHIP) for the purpose of:
- Meeting the housing needs of the very low, low, and moderate income households
- To expand production of and preserve affordable housing
- To further the housing element of the local government comprehensive plan specific to affordable housing
State Housing Initiatives Partnership (SHIP)
SHIP Program for Housing Rehabilitation, Purchase Assistance, Demolition & Reconstruction, and Disaster Mitigation/Recovery
Purchase Assistance Program
The Purchase Assistance Program is designed to assist first time home buyers with the purchase of an existing single family home or condominium within Jackson County. Funding, which is provided as a second or subordinate mortgage loan, may be used for:
- Down payment.
- Closing costs.
- Principal buy-down.
- Repairs needed for affordable home ownership.
SHIP funds may be used in conjunction with a first mortgage loan obtained from participating lenders, Florida Housing Finance Corporation’s Bond Program, or Rural Development.
Often times repairs are not made when needed, due to lack of personal funds and/or adequate Federal subsidy programs to assist families in despair. Jackson County supports efforts to conserve, protect and rehabilitate housing by offering an Owner-Occupied Rehabilitation Program designed to assist eligible homeowners with moderate needed rehabilitation or emergency repair assistance for owner occupied homes to address repair needs for:
- Sanitary disposal
- Life/safety conditions
- Structural code deficiencies
- Other related repairs
*Note regarding above two programs: Funds are secured with a five (5) or ten (10) year, recorded, zero interest and deferred payment mortgage loan; monthly payments are not required. Repayment of the loan is required in full when one of the following conditions is met during the term of the note only, whichever occurs first:
- Title transfer
- Refinances to access equity and homeowner no longer resides in the home.
Demolition and Reconstruction
This strategy is designed to replace existing uninhabitable or dilapidated structures for homeowners that do not have alternative housing or financial resources to alleviate the situation. The home must be located in Jackson County, Florida, owner occupied, with clear title. Taxes and assessments must be current. The existing structure must be certified by the Jackson County Housing Director and Jackson County Certified Building Officer as substandard and not suitable for rehabilitation.
Application acceptance is based on funding available. For more information about the application requirements for the State Housing Initiative Partnership (SHIP) programs, please call our SHIP Program office at (850) 332-7976
Local House Assistance Plan
Notice of 2017-2018 Funding Annual Report:
The Emerald Coast Regional Council (ECRC), as agent for the Jackson County State Housing Initiatives Partnership (SHIP) program, has completed the 2017/2018 closeout Annual Report. The SHIP Annual Report is available electronically for public inspection and comment until September 30, 2020.
Please direct your comments and inquiries to:
Mackenzie Riley, Planner
850-332-7976; ext. 208
Hurricane Housing Recovery Program (HHRP)
This program is designed to replace existing uninhabitable, dilapidated structures or structures which cannot be rehabilitated according to the Florida Building Code as a result of Hurricane Michael, which devastated our area in 2018.
Application acceptance is based on funding available. For more information about the application requirements for the Hurricane Housing Recovery Program (HHRP), please call our HHRP office at (850) 332-7976.
Travel Trailer Pilot Program (TTPP)
This program provides temporary housing assistance e to survivors of Hurricane Michael. Following the aftermath of the storm the County received 20 Travel Trailers from the Florida Department of Emergency Management which are currently being utilized for temporary housing.
Application acceptance is based on resources available. For more information about the application requirements for the Travel Trailer Pilot Program, please call our TTPP office at (850) 526-4050.
Florida’s Hardest Hit Fund
For Unemployment Mortgage Assistance Program (UMAP) and/or Mortgage Loan Reinstatement Payment (MLRP)
Escambia County Housing Finance Authority
Homeownership Programs for First Time Homebuyers