Florida PACE Funding for Home Improvement Projects in Holmes County
Getting ready for hurricane season or planning critical home upgrades? Holmes County homeowners can access affordable funding through Florida PACE to make essential improvements with no upfront costs.
What Is the PACE Program?
The Property Assessed Clean Energy (PACE) program provides Holmes County homeowners with a straightforward way to finance major home upgrades without large upfront costs. Instead of using traditional loans or credit-based approvals, repayment is built into your property tax bill at a fixed, predictable rate.
Approval is determined by your home’s equity and payment history. If you’re up to date on your mortgage and property taxes and have sufficient equity, your home may be eligible.
Eligible Improvements Available in Holmes County
Hurricanes, heat and high energy demands make it essential for Holmes County homeowners to maintain a strong, efficient home. Florida PACE helps you take action now by funding upgrades that enhance safety, comfort and efficiency.
The following projects are eligible for Florida PACE funding, with payments spread out over time via your property taxes:
Hurricane Hardening
Reinforce your home with impact windows, storm shutters and wind-rated doors.
HVAC
Replace outdated systems to improve comfort, energy efficiency and indoor air quality.
Roofing
Install durable, storm-ready roofing designed to withstand Florida’s demanding weather.
Water Heaters
Upgrade to high-efficiency models for consistent hot water and lower utility costs.
Windows & Doors
Install energy-efficient, storm-ready windows and doors built to improve safety and reduce energy costs.
Home Generators
Ensure your home stays powered during outages and storms with reliable backup energy.
Why Choose Florida PACE?
Holmes County homeowners face unique challenges, from severe storms to year-round humidity and rising energy costs. Florida PACE provides a practical way to make essential upgrades without the burden of upfront expenses or complex financing.
Here’s why homeowners across Holmes County choose Florida PACE:
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Start with zero down. Begin your upgrades today and repay over time through your property tax bill.
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Lower energy costs. Many energy-efficient improvements — such as HVAC upgrades, insulation, or impact windows — can reduce utility bills by 10–30%, depending on the project and home size.
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Built-in storm protection. Finance roofing, impact-resistant windows, and other upgrades designed to help your home withstand hurricanes and severe weather.
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Fewer disruptions after storms. Resilient improvements can mean less damage, faster repairs, and fewer days displaced after major weather events.
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Increase long-term home value. Energy-efficient and storm-hardened homes are often more attractive to future buyers.
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Designed for Holmes County. Projects are tailored to meet local building codes and address the area’s specific climate conditions.
Areas We Serve Within Holmes County
Florida PACE proudly serves homeowners across Holmes County, offering funding options wherever you live. If your property is located in any of the following areas, you may be eligible for PACE funding:
- Ards Crossroads
- Arrant Settlement
- Baker Settlement
- Barker Store
- Bayou Crossing
- Bethlehem
- Bonifay
- Bounds Crossing
- Cerrogordo
- Cobb Cross Roads
- Eleanor
- Esto
- Gritney
- Hathaway Mill
- Hickory Hill
- Hobbs Crossroads
- Holland Crossroads
- Hoover Mill
- Hudson
- Izagora
- Leonia
- Miller Crossroads
- New Hope
- Noma
- Pittman
- Ponce de Leon
- Prosperity
- Royals Crossroads
- Smith Crossroads
- Smyrna
- Tendil Crossing
- Underwood Crossing
- Westville
- Wynnlum
How To Get Started With Florida PACE
Start your Florida PACE project in Holmes County in just a few simple steps.
Step 1
Apply for the Florida PACE Program
Check if your home and project qualify. Get pre-approved in just minutes.
Step 2
Select Your Preferred Contractor
Choose from our network of PACE-approved professionals.
Step 3
Approve the Work, Then We Release Payment
Contractors begin work right away but aren’t paid until you confirm the project is completed to your satisfaction.
Step 4
Make Fixed Payments Through Your Property Taxes
Repay the cost gradually with predictable, fixed-rate installments.
Frequently Asked Questions
Is Florida PACE financing available in Holmes County?
Yes. Florida PACE is available to eligible homeowners in Holmes County, subject to county participation and program guidelines.
To qualify, properties must meet basic requirements such as:
- Being located within the service area
- Having sufficient equity
- Being current on property taxes and mortgage payments
What types of home improvement projects in Holmes County can be funded through Florida PACE?
Florida PACE can fund improvements that increase energy efficiency, renewable energy use or storm resilience.
Common projects include:
- Roof replacement
- Impact-resistant windows and doors
- HVAC upgrades
- Solar energy systems
- Insulation and energy-efficiency improvements
- Flood mitigation measures
Projects must meet program standards and local building codes.
How do Florida PACE repayments work for Holmes County homeowners?
Florida PACE funding is repaid through a non-ad valorem assessment added to your annual property tax bill.
- Payments are made in fixed installments
- There are no separate monthly bills
- The assessment is tied to the property, not the individual
- There are no prepayment penalties
This structure allows homeowners to complete upgrades now and repay gradually over time.
Get Started with Florida PACE Funding
Don’t let the cost of upgrades delay the protection and comfort your home needs. Whether you’re preparing for hurricane season or replacing aging systems, Florida PACE provides an affordable path forward.
See if your property qualifies or contact us today to get started.