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City of Deltona SHIP Down Payment Assistance Program

City of Deltona SHIP Down Payment Assistance Program is a forgivable loan for homebuyers in Deltona, Florida.

Last verified
Check if this fits me Official program site ↗

The program asks for

  • First-time homebuyer — with exceptions: Essential service personnel may qualify above standard AMI limits
  • The home is occupied as a primary residence
  • A minimum 620 credit score
  • A completed homebuyer education course
  • A home inside Deltona city limits

It doesn’t cover

  • Households above 140% of area median income
  • Homes outside Deltona

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

140% of Volusia County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$90,800
Area median income, 4-person household (HUD, 2026)
Income limits in Florida

Where it applies

Deltona’s homes

  • 93.9% single-family
  • 0.9% townhouse
  • 3.3% 2–4 units
  • 1.5% 5+ units
  • 0.4% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$285,400

Deltona median home value

21%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Deltona

How to apply

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Free course · 10 minCity of Deltona SHIP Down Payment Assistance Program, explained

Questions about this program

What is City of Deltona SHIP Down Payment Assistance Program?

City of Deltona SHIP Down Payment Assistance Program is a forgivable loan for homebuyers in Deltona, Florida. City of Deltona provides income-tiered SHIP DPA: Very Low ≤50% AMI up to $60,000; Low ≤80% AMI up to $55,000; Moderate ≤120% AMI up to $50,000; Essential Service Personnel up to 140% AMI. Up to $20,000 can cover eligible repairs. 30-year deferred forgivable. Funding comes from State.

Do you have to pay it back?

City of Deltona SHIP Down Payment Assistance Program is forgiven after 30 years, so a homebuyer who stays that long does not repay it. Repayment is triggered by Sale, Refinance, and No longer primary within 30 years. The assistance is recorded in 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Deltona SHIP Down Payment Assistance Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Essential service personnel may qualify above standard AMI limits. The program lists a minimum credit score of 620. A homebuyer education course is required.

What are the income limits?

City of Deltona SHIP Down Payment Assistance Program limits household income to 140% of the area median income, which varies by county and household size. Very Low ≤50% AMI: $60,000; Low ≤80% AMI: $55,000; Moderate ≤120% AMI: $50,000. Essential Service Personnel: up to 140% AMI. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Deltona SHIP Down Payment Assistance Program can be used for Single Family, Condo, and Townhouse.

Where does it apply?

City of Deltona SHIP Down Payment Assistance Program serves homebuyers purchasing in Deltona, Florida.

How do you apply?

Applications for City of Deltona SHIP Down Payment Assistance Program go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Deltona homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 92 programs for Deltona

Program terms are set by the administering agency and can change; confirm on the official site before you apply.