Owner Occupied Rehab

Eligible Homes

Pasco County Community Development administers a program that provide repairs to an owner-occupied home. The programs are available county-wide, 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 home must be Homesteaded, and Home value cannot exceed $275,000 which can be found on PascoPA.com. You must have owned the home for at least 3 years to be eligible for the program.

The Owner Occupied Rehab Program will not assist with repairs to homes with illegal structures built without required building permits. Properties that have experienced repetitive losses, including but not limited to, flooding, sinkhole or other ground settlement activity, including remediated or stabilized properties, will not be eligible.

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 120% of the area median income (see maximum income section). Eligible repairs include but are not limited to 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.

How to Repay This Loan

The funds provided through Pasco County will be a zero-interest recorded mortgage and note. The County's loan will be deferred until the death of the homeowner or the sale of the home. The home must remain homesteaded and your principal residence. The repayment of these funds helps sustain our programs, allowing other people to be assisted in the future.

Maximum Income - Area Median Income (May 2023)

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

  • 1 person - $73,080
  • 2 persons - $83,520
  • 3 persons - $93,960
  • 4 persons - $104,280
  • 5 persons - $112,680
  • 6 persons - $121,080
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