See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Deltona, FL (2026)
Deltona is a city of over 101,000 residents in Volusia County, located between Orlando and Daytona Beach in Central Florida. With a median home price around $290,000, Deltona offers some of the most affordable housing in the region and one of the strongest city-level assistance programs in Florida. The City of Deltona SHIP Purchase Assistance Program provides up to $60,000 as a 0% interest forgivable loan for income-eligible buyers, with even higher income thresholds for essential service personnel like teachers, nurses, and first responders. Statewide programs like the Florida Hometown Heroes program add up to $35,000, and the Florida Assist program provides up to $10,000. By combining city, state, and federal programs, Deltona buyers can potentially cover their entire down payment and closing costs.
City Programs in Deltona
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Deltona SHIP Purchase Assistance Program | Forgivable Loan | Up to $60,000 for Very Low Income (50% AMI); up to $55,000 for Low Income (80% AMI); up to $50,000 for Moderate Income (120% AMI) | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $60,000 for Very Low Income (50% AMI); up to $55,000 for Low Income (80% AMI); up to $50,000 for Moderate Income (120% AMI)
- 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. Your household income must be at or below 120% AMI for Volusia County (up to 140% AMI for essential service personnel such as teachers, nurses, police, and firefighters). You must be a first-time homebuyer, meaning no homeownership in the past 3 years. The maximum purchase price is $544,233.
Step 2: Complete homebuyer education. Attend a mandatory 8-hour HUD-approved homebuyer education workshop. Mid-Florida Housing Partnership offers courses in the Deltona area. Contact them at (386) 274-4441 to register.
Step 3: Submit your application to the City of Deltona. Apply online through Neighborly Software on the City of Deltona website. Applications are placed on a waiting list. Contact the Housing and Community Development department at (386) 878-8614 for current availability.
Step 4: Get pre-approved for a mortgage. Work with an approved lender to determine your purchase power. The Deltona assistance can be paired with FHA, VA, USDA, or conventional first mortgages.
Step 5: Find a home within Deltona city limits. The property must be located within Deltona municipal boundaries and priced at or below $544,233. Eligible property types include single-family homes, townhomes, and condominiums.
Step 6: Complete the purchase. Your lender will coordinate with the city to finalize the assistance. The city provides the funds as a 0% interest deferred second mortgage with a 30-year forgivable term.
Frequently Asked Questions
How much down payment assistance can I get in Deltona?+−
Do I have to be a first-time homebuyer?+−
What is the maximum home price I can pay?+−
What homebuyer education is required?+−
Are teachers, nurses, and first responders eligible for extra assistance?+−
Does the Volusia County homebuyer program apply in Deltona?+−
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