EMAP Background


The Community Development Block Grant Corona Virus (CDBG-CV) Emergency Mortgage Assistance Program will assist households with mortgage payments, including forbearance, past due balances, late fees, penalties, and Gulf Power/FPL/ECUA/other utilities expenses of up to but not exceeding three (3) months' costs, or $8,000.00.


Only one application per property is eligible. The application must meet the following guidelines.
  • The applicant must own a single-family residential property in Escambia County, Florida outside City of Pensacola limits and
  • The property owner must occupy the property as primary residence as indicated by having Homestead Exemption and
  • If applying for Mortgage Assistance, the owner must have a first-lien or primary mortgage with a forbearance or past due balance due to COVID-19 and
  • The mortgage must have been current as of March 2020 and
  • The property must not be listed for sale and
  • The household of the applicant must demonstrate a financial hardship (loss of income and/or increase in expenses) due to COVID-19 and
  • The household of the applicants must have a maximum household income at or below 80 percent AMI