See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Daytona Beach, FL (2026)
Daytona Beach is a coastal city in Volusia County on Florida's central Atlantic coast, known for its wide beaches and motorsports heritage. With a median home price around $270,000, Daytona Beach is one of the more affordable metro areas in the state. The City of Daytona Beach SHIP Down Payment Assistance Program offers up to $50,000 as a zero-interest deferred loan to income-eligible first-time buyers purchasing within city limits. Buyers can also access statewide programs like the Florida Hometown Heroes Housing Program, which provides up to 5% of the loan amount for down payment and closing costs for community workers. By combining local and state programs, eligible Daytona Beach buyers can stack significant assistance to make homeownership more attainable.
City Programs in Daytona Beach
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Daytona Beach SHIP Down Payment Assistance Program | Zero-Interest Loan | Up to $50,000 | Yes | View → |
| Daytona Beach Housing Authority HCV Homeownership Program | Grant | Monthly Housing Choice Voucher assistance applied toward mortgage payments instead of rent | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Monthly Housing Choice Voucher assistance applied toward mortgage payments instead of rent
- First-time only:
- Yes
State Programs in Florida
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Grant | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Florida Assist (FL Assist) Second Mortgage Program | Deferred Loan | Up to $10,000 | Yes | View → |
| Florida HFA Preferred and Advantage PLUS Program | Forgivable Loan | 3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only) | Yes | View → |
| Florida Hometown Heroes Housing Program | Deferred Loan | Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of Greater Volusia County Homeownership Program | Zero-Interest Loan | Affordable mortgage with below-market interest rate and no down payment required | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with below-market interest rate and no down payment required
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Household income must be at or below 80% of the Area Median Income for Volusia County based on your household size, and you must not have owned a home in the past three years.
Step 2: Contact a local housing partner. Reach out to Homes Bring Hope at (386) 317-5767 or Mid-Florida Housing Partnership at (386) 274-4441 to begin a pre-screening and credit assessment.
Step 3: Complete homebuyer education. Enroll in a HUD-approved first-time homebuyer course through Mid-Florida Housing Partnership or another approved provider. Mid-Florida Housing Partnership holds classes via Zoom and can be reached at (386) 274-4441.
Step 4: Get pre-approved for a first mortgage. Work with a lender to determine how much home you can afford. If applying for the Florida Hometown Heroes program, use a participating Florida Housing Finance Corporation lender.
Step 5: Find an eligible home. For the City of Daytona Beach SHIP program, the home must be within Daytona Beach city limits with a purchase price of $258,690 or less.
Step 6: Submit your application. Your housing partner will help you complete and submit the down payment assistance application. Processing times vary based on funding availability.
Frequently Asked Questions
How much down payment assistance can I get in Daytona Beach?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can buy with assistance?+−
What homebuyer education is required?+−
Does the Volusia County Homebuyer Assistance Program apply in Daytona Beach?+−
Can I use a Housing Choice Voucher to buy a home in Daytona Beach?+−
Free eligibility check
Buying a home in Daytona Beach? 16 programs could help.
How soon are you looking to buy?