The City of Deltona offers income-eligible first-time buyers up to $60,000 (including up to $15,000 for repairs on an existing home) at 0% with no monthly payment. Status: waitlist. New applications go on a waiting list, so apply early and confirm your place before you sign a contract.
SHIP Down Payment Assistance Program
Waitlist only
City of Deltona
Amount
Up to $60,000 (incl. up to $15,000 repairs on existing homes)
Kind of help
Forgivable second loan
Who it's for
Income-eligible first-time buyers 50%-120% AMI; Essential Service Personnel up to 140% AMI
Income cap
2026: 80% AMI $79,300; 120% $118,920; 140% $138,740 (4 persons)
Price cap
$544,233 (2025)
First-timers only
Yes
Also note
Apply via Neighborly; waiting list; 8-hour homebuyer certification; approved lender
0% interest, no monthly payment, up to 30-year affordability period. Applications are placed on a waiting list.
Want a heads-up? SHIP Down Payment Assistance Program is running a waitlist. We'll tell you when fresh money arrives.
How the Deltona program works
Assistance is a 0% loan with no monthly payment and an affordability period of up to 30 years. Up to $15,000 of the $60,000 maximum can pay for repairs if you buy an existing home. Deltona runs its own SHIP program separate from Volusia County, which matters right now: Volusia County paused new homebuyer applications through at least December 31, 2026, and its program excludes Deltona anyway.
Who qualifies?
Group
Income range
2026 cap, 4 persons
First-time buyers
50%-120% AMI
$118,920 (80% AMI is $79,300)
Essential Service Personnel
Up to 140% AMI
$138,740
You also need an 8-hour homebuyer certification, an approved lender, and a home within the $544,233 price limit (2025 figure).
Deltona and Hometown Heroes
Deltona's program notes say its assistance can take third position behind other assistance, which lines up with Hometown Heroes' rule allowing another agency's stand-alone DPA in third-lien position. That makes Deltona one of the clearer stacking cases in Florida; a participating lender still confirms on your file. Teachers, nurses, police and firefighters should read the Essential Service Personnel page for the higher income ceiling.
How to apply
Apply through the City's Neighborly portal to join the waiting list.
Complete the 8-hour homebuyer certification.
Get pre-approved with an approved lender.
When the City contacts you, confirm the award before signing a contract.
Making the most of the wait
Use the waiting period to finish the 8-hour certification, get fully pre-approved, and gather income and asset documents. Ask the City how often it contacts people on the list and whether the repair allowance of up to $15,000 can cover items found in your home inspection. If you buy new construction, ask whether the full $60,000 can go to the down payment.
Who Deltona help suits
The program is aimed at first-time buyers between 50% and 120% AMI, so households below 50% AMI should ask the City whether any other option applies to them. Because the loan has no monthly payment and an affordability period of up to 30 years, it works best for buyers planning to stay. Ask the City what happens to the balance if you sell, refinance or rent the home during that period.
SHIP Down Payment Assistance Program: your questions
How much is Deltona down payment assistance?
Up to $60,000, including up to $15,000 for repairs on an existing home, at 0% with no monthly payments.
Is Deltona SHIP open?
Applications are accepted onto a waiting list through Neighborly.
Can Deltona assistance be used with Hometown Heroes?
Deltona notes its assistance can take third position, and Hometown Heroes allows other agencies' DPA in third position. A participating lender confirms.
Our summary of the official program page as of November 2026. Funding and terms change; get the current version from the program or a participating lender. Florida Down Payment Assistance has no tie to this program.
Saved. Watch your phone and inbox.
When this program restarts, you'll be among the first to know. Meanwhile, want to see what's open today?
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