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Get Matched Free →City of Deltona SHIP Purchase Assistance Program
Funding status: Active
How much assistance
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)
0% interest deferred payment second mortgage with a 30-year term. Loan is forgiven after 30 years of continuous owner-occupancy. Repayment is required if the home is sold, refinanced for cash out, rented, or no longer used as a primary residence before the term ends.
Eligibility
- Income limits: Very Low Income: up to 50% AMI. Low Income: up to 80% AMI. Moderate Income: up to 120% AMI. Essential Service Personnel (teachers, healthcare workers, police, firefighters) eligible up to 140% AMI.
- Purchase price limit: $544,233
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Geographic restrictions: Property must be located within Deltona city limits. Eligible property types include single-family homes, townhomes, and condominiums.
- Homebuyer education required: Yes
How to Apply for City of Deltona SHIP Purchase Assistance Program
Submit an application online through Neighborly Software on the City of Deltona website. Applications are placed on a waiting list. Once qualified, work with an approved lender to determine your purchase power. Contact Housing & Community Development at (386) 878-8614 for current application status.
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