City of Daytona Beach SHIP Down Payment Assistance Program

Administered by: City of Daytona Beach Redevelopment and Neighborhood Services · City · Zero-Interest Loan

Funding status: Active

How much assistance

Up to $50,000 (Zero-Interest Loan)

Forgiven after 15 years of owner-occupancy for existing construction or 20 years for new construction.

Eligibility

  • Income limits: Household income must be at or below 80% of Area Median Income (AMI) based on household size.
  • Purchase price limit: $258,691
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Property must be within Daytona Beach city limits.
  • Homebuyer education required: Yes

How to Apply for City of Daytona Beach SHIP Down Payment Assistance Program

Step 1: Contact one of the City's nonprofit housing partners — Homes Bring Hope at (386) 317-5767 or Mid-Florida Housing Partnership at (386) 274-4441 — to begin a pre-screening and eligibility assessment. Complete a HUD-approved homebuyer education course, get pre-approved for a first mortgage, and find an eligible home within city limits priced at $258,690 or less.

Visit program website

Notes

Program funded through State Housing Initiatives Partnership (SHIP) funds. The City partners with Homes Bring Hope and Habitat for Humanity to provide housing for qualified buyers. In 2025, 19 families became homeowners through this program.

Cities Where This Program Is Available