Escambia County Housing Finance Authority Homeownership Program
Deferred second loan · Income limits
Down payment assistance · Escambia County
Buying a home in Gonzalez, FL
3 county programs and 26 statewide.Gonzalez has no program of its own, 3 across Escambia County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Gonzalez
No program of Gonzalez’s own yet
No program run for Gonzalez alone is listed. A home in Gonzalez can use Escambia County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Pensacola, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in EscambiaAnywhere in Escambia County
3 county programs3 county programs a Gonzalez homebuyer can use
1 more program is for homes in Pensacola. See them 1 program in neighboring cities — for homes inside those cities, not Gonzalez
- Pensacola — City of Pensacola Homebuyer Incentive Program (ARPA)
The Gonzalez marketThe Gonzalez housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gonzalez
- 87% single-familysingle-family
- 1.3% townhousetownhouse
- 8.2% 2–4 units2–4 units
- 1.6% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
Condos count. 2 of Gonzalez’s 3 local and county programs accept condos. Northwest Florida Community Land Trust lists single family and townhouse.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gonzalez’s homes were built
pre-19401970s2020+
28.6%
of Gonzalez homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$92,800
County area median income, 4 people (HUD)HUD area median income, Escambia County, 4-person household (2026)
$82,062
Gonzalez median household incomeMedian household income in Gonzalez (Census, 2024)
30 of the 91 programs here set their income limit as a share of Escambia County’s area median income, adjusted for household size. See the published limits for Escambia County
Free help nearbyFree help near Gonzalez
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Gonzalez questions
Does Gonzalez have its own down payment program?
No program run for Gonzalez alone is listed. A home in Gonzalez can use the 3 programs that cover Escambia County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gonzalez?
2 of Gonzalez’s 3 local and county programs accept condos. Northwest Florida Community Land Trust lists single family and townhouse. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Escambia County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Escambia County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Gonzalez?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Gonzalez. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32560
Nearby in Escambia
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.