hey prescott.
See what you qualify for

Northwest Florida Community Land Trust

Pensacola, Florida

Last verified
See what you qualify forOfficial program site →
Income limit

120% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Northwest Florida Community Land Trust?

Northwest Florida Community Land Trust is a grant for homebuyers in Pensacola, Florida.

  • Northwest Florida CLT provides permanently affordable homeownership in the Pensacola area (Escambia and Santa Rosa counties) through the community land trust model. Affiliated with Pensacola Habitat for Humanity.
  • Funding comes from Nonprofit.

Do you have to pay it back?

Northwest Florida Community Land Trust is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Northwest Florida Community Land Trust is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 640 credit score
  • A completed homebuyer education course
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident

The program excludes

  • Households above 120% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Northwest Florida Community Land Trust limits household income to 120% of the area median income, which varies by county and household size.

  • Income up to 120% AMI. Permanently affordable resale restrictions apply.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Northwest Florida Community Land Trust can be used for Single Family and Townhouse.

Where does it apply?

Northwest Florida Community Land Trust serves buyers purchasing in Pensacola, Florida.

How do you apply?

Applications for Northwest Florida Community Land Trust go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Northwest Florida Community Land Trust, explained

A short, free course on Northwest Florida Community Land Trust: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Other programs in Pensacola, Florida

See every program in Pensacola, Florida →

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs