The Volusia County Homebuyer Assistance Program provides eligible first-time buyers with up to $50,000 in down payment and closing cost support — making it easier to secure your home and start building your future.
Verify Your Volusia County Homebuyer Assistance Eligibility
The Volusia County Homebuyer Assistance Program helps first-time buyers purchase a home by covering part of their upfront costs.
It provides up to $50,000 in combined down payment and closing cost assistance through a zero-interest, deferred loan.
The program works in partnership with approved lenders, nonprofits, and real estate partners to guide applicants through the process.
Funds are designed to make homeownership more accessible and affordable for households that may struggle with initial expenses.
By reducing one of the biggest barriers to buying a home, the program opens the door to long-term stability and equity building.
This program is designed to remove the biggest barriers to homeownership and make buying a home in Volusia County more affordable.
Up to $50,000 in Assistance – Get major help with both your down payment and closing costs.
No Monthly Payments – The loan is deferred, zero-interest, and forgiven after 15 years.
Build Equity Sooner – With less money upfront, you can become a homeowner faster and start building wealth.
Trusted Local Support – Work with approved lenders, nonprofits, and real estate partners who specialize in this program.
Flexible Property Options – Buy a single-family home, townhouse, or condo up to $327,750 in price.
Designed for First-Time Buyers – Perfect if you haven’t owned a home in the past three years and need a boost to get started.
The program helps with your down payment and closing costs when you buy a home in Volusia County (up to a $327,750 purchase price). The amount you can get depends on your household income compared to the Area Median Income (AMI).
To get this help, you and the home you’re buying must meet certain rules:
The home must be in Volusia County, but not inside the city limits of Daytona Beach or Deltona. (Some funds may also be limited in Edgewater, Oak Hill, Pierson, and Port Orange.)
You cannot have owned a home in the past three years.
You cannot have already received housing help from Volusia County before.
You must qualify for and use a first mortgage loan.
Your total household income must be within the program’s limits (based on household size)
| Household Size | 1% – 50% AMI | 51% – 80% AMI |
|---|---|---|
| 1 | $29,000 | $46,400 |
| 2 | $33,150 | $53,000 |
| 3 | $37,300 | $59,650 |
| 4 | $41,400 | $66,250 |
| 5 | $44,750 | $71,550 |
| 6 | $48,050 | $76,850 |
See if you qualify based on your income, household size, and where you want to buy. This quick check costs nothing and only takes a few minutes.
Fill out the official application and provide the required documents (like proof of income and ID). Your Affordable Housing Partner or lender will guide you through the process.
Once approved, you’ll receive up to $50,000 in down payment and closing cost assistance to help you buy your home.
Here are answers to the most common questions about how the program works, who qualifies, and how to apply.
Eligible buyers can receive up to $50,000 in combined down payment and closing cost help.
No monthly payments are required — if you live in the home for 15 years, the loan is forgiven.
Anyone who has not owned a home in the last three years (with a few exceptions, like veterans).
Yes, except within the city limits of Daytona Beach or Deltona. Some limits also apply in Edgewater, Oak Hill, Pierson, and Port Orange.
Single-family homes, townhomes, and condos priced up to $327,750 are eligible.
Your household income must fall between 1%–80% of Area Median Income (AMI), which varies by household size.
Yes, you must contribute either $500 or $1,500, depending on your income level.
No, you cannot have previously received housing help from Volusia County.
Yes, you must qualify for and use a first mortgage loan to purchase the home.
You begin by checking your eligibility online, then completing the application through an Affordable Housing Partner or approved lender.
Buying a home is a big step, and we make it easier by guiding you every step of the way.
Expert Guidance: We specialize in Volusia County programs and know exactly how to get you qualified.
Simple Process: From checking your eligibility to closing, we keep the process clear and stress-free.
Maximum Savings: We help you unlock the full $50,000 in down payment and closing cost assistance available.
Trusted Partners: Work with approved lenders, nonprofits, and real estate professionals who know this program inside and out.
Faster Approvals: Our team ensures your paperwork is complete and submitted right the first time.
