Forgivable loan
City of Daytona Beach Affordable Home Ownership Assistance Program (AHOAP)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Volusia County
Buying a home in Daytona Beach, FL
1 Daytona Beach program, 3 county programs and 26 statewide.Daytona Beach has 1 program of its own, 3 more across Volusia County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Daytona Beach addresses
Daytona Beach’s own program
Anywhere in VolusiaAnywhere in Volusia County
3 county programs3 county programs a Daytona Beach homebuyer can also use
1 more program is for homes in Deltona. See them 1 program in neighboring cities — for homes inside those cities, not Daytona Beach
- Deltona — City of Deltona SHIP Down Payment Assistance Program
The Daytona Beach marketThe Daytona Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Daytona Beach
- 41.3% single-familysingle-family
- 6.6% townhousetownhouse
- 10.1% 2–4 units2–4 units
- 38.6% 5+ unitscondo & apartment buildings (5+ units)
- 3.4% mobile & othermobile home & other
Condos count. 3 of Daytona Beach’s 4 local and county programs accept condos. Habitat for Humanity of Volusia County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Daytona Beach’s homes were built
pre-19401970s2020+
46.8%
of Daytona Beach homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$90,800
County area median income, 4 people (HUD)HUD area median income, Volusia County, 4-person household (2026)
$52,058
Daytona Beach median household incomeMedian household income in Daytona Beach (Census, 2024)
31 of the 92 programs here set their income limit as a share of Volusia County’s area median income, adjusted for household size. See the published limits for Volusia County
Free help nearbyFree help near Daytona Beach
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Daytona Beach questions
Does Daytona Beach have its own down payment program?
Yes, one: City of Daytona Beach Affordable Home Ownership Assistance Program (AHOAP), a forgivable loan for first-time homebuyers (forgiven over 20 yrs, income limits). It is for homes inside Daytona Beach.
Can I use assistance on a condo in Daytona Beach?
3 of Daytona Beach’s 4 local and county programs accept condos. Habitat for Humanity of Volusia County lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Volusia County?
Each program sets its own. 31 of the programs here set theirs as a share of HUD’s area median income for Volusia County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Daytona Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Daytona Beach. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32114 · 32115 · 32116 · 32117 · 32118 · 32119 · 32120 · 32121 · 32122 · 32123 · 32124 · 32125 · 32126 · 32127 · 32128 · 32198
Nearby in Volusia
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.