Why Buy in Pensacola & Gulf Breeze?

Pensacola, Florida
Beautiful Gulf Coast beaches
Historic downtown charm
Strong military presence (NAS Pensacola)
Growing job market
Diverse housing options from historic homes to new construction


Gulf Breeze, Florida
Top-rated schools
Waterfront and luxury properties
Quiet residential feel
Close proximity to Pensacola Beach
Strong property value retention

The Home Buying Process with Kiara Proctor

Bonus Tip: Down Payment Assistance Programs in Escambia County, Florida

1. State Housing Initiatives Partnership (SHIP) Program
Offered through Escambia County
What It Offers:
- Up to $45,000 in down payment & closing cost assistance
- 0% interest, deferred payment loan
- Forgivable after a required occupancy period
Who It’s For:
- First-time homebuyers (generally no ownership in past 3 years)
- Income-qualified buyers
- Must complete a HUD-approved homebuyer education course
- Best For: Buyers who need substantial help with upfront funds.

2. HOME Homebuyer Program
Available through the City of Pensacola
What It Offers:
- Up to $12,500 in assistance
- 0% interest, deferred payment loan
- No monthly payments
Who It’s For:
- Income-eligible buyers purchasing within Escambia County or city limits
- Completion of homebuyer education required
- Best For: Buyers needing moderate assistance to bridge the gap.

3. Pensacola Homebuyer Incentive Program (ARPA Funded)
City of Pensacola Program
What It Offers:
- Up to $30,000 in down payment & closing cost assistance
- 0% interest, deferred payment loan
- Assistance for homes located within Pensacola city limits
Who It’s For:
- Income-qualified buyers
- Must complete required education
- Limited funding availability
- Best For: Buyers purchasing within city limits who need strong upfront assistance.

4. Escambia County Housing Finance Authority (ECHFA) Assistance Program
What It Offers:
- Up to approximately $10,000 in assistance
- 0% interest second mortgage
- Paired with a 30-year fixed-rate first mortgage
- No monthly payment on the assistance portion
Who It’s For:
- Income-qualified buyers
- May allow exceptions for veterans or targeted areas
- Repayment typically due upon refinance, sale, or payoff
- Best For: Buyers who want structured financing with manageable long-term terms.

Why These Programs Matter
✔ Lower upfront cash required
✔ Reduce financial barriers to homeownership
✔ Support long-term financial stability
✔ Help buyers compete in today’s market

If you’re considering buying in Pensacola or Escambia County, exploring these loan options could significantly reduce your out-of-pocket expenses. Contact Kiara to discuss other downpayment assistance options available in your area. Contact a local lender today www.lockwithlockler.com

Step 1: Initial Consultation

Step 2: Get Pre-Approved

Step 3: Home Search

Step 4: Make a Strong Offer

Step 5: Closing Day

Home Buyer Checklist

Financial Preparation
☐ Check your credit score
☐ Save for down payment
☐ Budget for closing costs (2–5%)
☐ Gather tax returns and pay stubs
☐ Avoid major purchases before closing

During Your Search
☐ Define location preferences
☐ List must-have features
☐ Consider HOA requirements
☐ Evaluate commute times
☐ Research school zones

Before Closing
☐ Complete home inspection
☐ Review appraisal report
☐ Secure homeowner’s insurance
☐ Confirm utilities transfer
☐ Schedule final walkthrough

Take the First Step Today

Get pre-approved with trusted lender Shevlin Lockler | Acrisure mortgage

Apply Now

Have a Buyer Consultation

Contact Kiara Proctor for a one-on-one conversation about starting your home buying journey

Contact Now