Owner Occupied Rehab

Eligible Homes

This program is available countywide, including the six cities. Single family homes, villas, condominiums and townhomes are eligible. Mobile homes are only eligible if the land is owned, and the home was built after 1994. The value of the property cannot exceed $240,000 when the work is completed. The home must be Homesteaded, which can be found on PascoPA.com. You must have owned the home for at least 2 years in order to be eligible for PascoFix.

Owner-Occupied Rehabilitation Program

This program is for homeowners that need help funding major repairs on their homes. Eligible applicants must have incomes that are under 80% of the area median income (see household income table). Eligible repairs include, but are not limited to creating additional living space; or correcting substantial code violations, such as roof repair or replacement, ceilings; upgrading electrical, heating, septic/sewer, water facilities; and making handicapped modifications. We cannot fix the roof and ignore a dangerous electrical situation or unpermitted work. 

How do I repay this Loan? 

The funds from provided through Pasco County will be a zero interest loan that is usually recorded as a second mortgage on the property. The repayment of these funds help sustain our programs, allowing other people to be assisted in the future. The County's loan will be deferred until death of the homeowner or sale of the home. The home must remain homesteaded and your principal residence. This is a mortgage on your home and must be repaid.

Maximum Income - Area Median Income  (April 2020)

For the Owner-Occupied Rehabilitation Program, the maximum household income is:

  • 1 Person $59,160
  • 2 Persons $67,560 
  • 3 Persons $75,960
  • 4 Persons $84,360
  • 5 persons $91,200
  • 6 persons $97,920

Owner Occupied Rehab Program Brochure (PDF)

Owner Occupied Rehab Program Application

The State Housing Initiative Partnership (SHIP) Program is funded through the actions of the Legisla