See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Port Orange, FL (2026)
Port Orange is a family-friendly city located along the Halifax River in Volusia County, Florida, with a median home price around $340,000. Homebuyers here can access up to $50,000 through the Volusia County Homebuyer Assistance Program, a zero-interest forgivable loan for down payment and closing costs on homes priced up to $327,750. The Florida Hometown Heroes Program offers up to $35,000 for eligible frontline workers, while the Florida Assist program provides $10,000 as a deferred second mortgage. Habitat for Humanity of Greater Volusia County also serves Port Orange buyers with affordable homeownership opportunities. By combining county, state, and federal programs, eligible buyers in Port Orange can stack significant assistance to make homeownership more affordable.
County Programs in Volusia County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Volusia County Homebuyer Assistance Program | Forgivable Loan | Up to $50,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $50,000
- 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. Most programs require household income at or below 80% of Area Median Income for Volusia County. The Volusia County Homebuyer Assistance Program also requires that you have not owned a home in the past 3 years and have lived in Volusia County for at least 12 months.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for most programs. Mid-Florida Housing Partnership in Daytona Beach offers HUD-certified First-Time Homebuyer Workshops for Volusia County residents. Call them at (386) 255-0695 to register.
Step 3: Contact an Affordable Housing Partner. The Volusia County Homebuyer Assistance Program requires you to apply through an Affordable Housing Partner (AHP). Call Volusia County Community Assistance at (386) 736-5955 or email communityassistance@volusia.org to get connected with an AHP near you.
Step 4: Get pre-approved for a mortgage. Work with a Florida Housing-approved lender to get pre-approved for a first mortgage. This is required before you can access state programs like Florida Hometown Heroes or Florida Assist.
Step 5: Find a home within program limits. The Volusia County Homebuyer Assistance Program covers homes priced up to $327,750. Make sure your target home falls within the purchase price limits of the programs you are applying for.
Step 6: Submit your application and close. Once you have identified a home and are pre-approved, your Affordable Housing Partner and lender will help you submit applications for all eligible programs. Expect the process to take 30 to 60 days from application to closing.
Frequently Asked Questions
How much down payment assistance can I get in Port Orange?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay using these programs?+−
What homebuyer education is required?+−
Can I combine the Volusia County program with state programs?+−
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