Florida help / Volusia
Down payment assistance in Volusia County
These are the plans we have checked in Volusia County so far: from the county, from its cities, and from the state, each with the link to its official document. We keep looking for more.
plans we have checked in Volusia
levels: county, city, state
last checked by a person
From the county
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Volusia County SHIP — Purchase Assistance | County of Volusia | Volusia County, except the cities of Daytona Beach and Deltona | Deferred loan with no payments, forgiven a part each year over 15 years. If you sell at a profit within the first 10 years, you also share part of the gain with the county. Paused (Sep 2026) | Official document |
From your city
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Daytona Beach SHIP — Home Ownership Opportunity | City of Daytona Beach | City of Daytona Beach | Deferred loan with no payments, forgiven in full at the end of its term (5, 10 or 15 years, depending on the amount); nothing is forgiven before then. No funds this year for part of this help: households earning 81% to 120% of area income. Checked Sep 2026. | Official document |
| Deltona SHIP — Purchase Assistance | City of Deltona | City of Deltona | Deferred loan with no payments, forgiven in equal parts each year over 10, 20 or 30 years, depending on the amount. It also covers newly built homes. A used home only qualifies if it needs repairs. No funds this year for part of this help: households earning up to 50% and 81% to 120% of area income. Checked Sep 2026. | Official document |
From the state
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Florida Assist (FL Assist) | Florida Housing Finance Corporation | All of Florida | Deferred second mortgage at 0%, with no payments. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. | Official document |
| Florida HFA Advantage PLUS | Florida Housing Finance Corporation | All of Florida | Second mortgage with no payments, forgiven 20% on each anniversary of your closing: after 5 years you owe nothing. | Official document |
| Florida Hometown Heroes | Florida Housing Finance Corporation | All of Florida | Deferred second mortgage with no payments. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. | Official document |
Data checked by a person against each official document.
Help at little or no cost, even if you never use us
These organizations exist to help people buy a home. We have no agreement with them and they don't endorse us: they're here because they're useful.
Housing counseling approved by HUD
Independent advice on your budget, your credit and your loan, often at little or no cost to you.
Find a counselor (HUD)A homebuyer course
Many assistance plans ask for one. HUD-approved counseling agencies teach it; ask them when you call.
Find a counselor (CFPB)Your county's housing office
The office that runs your county's assistance can tell you what's open and how to apply.
Find your county's office (Florida Housing)Source for “little or no cost”: Consumer Financial Protection Bureau, Find a housing counselor.
Which ones fit you, and how much?
It depends on your income, your household, the home and the city where you buy. Some plans can be combined and others can't. The app works it out for your household and for the month you'll be ready to buy, with each amount checked by a person against the official plan.
