Volusia County · Florida Hometown Heroes Housing Program
Buying a first home in Volusia County, Florida
Volusia's TBA limit is $148,650, just above the statewide floor. It applies to any household size, from Deltona to Ormond Beach.
SeatDeLand
Residents606,573
Income cap, 3+$116,742
Price cap$566,354
The Volusia picture
Full-time staff of Volusia County Schools are eligible. Fire and police jobs are spread across the Volusia Sheriff's Office, Volusia County Fire Rescue, Daytona Beach Police, the Daytona Beach Fire Department and Deltona Fire Rescue.
Under Bond, Volusia's limits are $101,514 for 1 or 2 people and $116,742 for 3 or more, with a $566,354 price limit. A DeLand teacher married to a Port Orange paramedic should compare both options, because Bond counts everyone 18 and older in the home.
The help is 5% of the loan with a $10,000 floor, delivered as a 0% second mortgage with no monthly payment.
Caps that apply in Volusia County
Income cap, 1 or 2 people
Income cap, 3 or more
Price cap
$101,514
$116,742
$566,354
Volusia's Bond limits are $101,514 (1 to 2) and $116,742 (3+) with a $566,354 price cap, plus a $148,650 TBA limit. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
Volusia County Schools
Volusia Sheriff's Office
Volusia County Fire Rescue
Daytona Beach Police Department
Daytona Beach Fire Department
Deltona Fire Rescue
Full-time hospital, assisted living and licensed child care staff in Volusia also meet the employer rule. The eligible jobs list has the full set of roles.
Local money in Volusia County
County, city and employer programs here can sometimes sit behind the state loan, or replace it. Each has its own rules about combining, and a loan officer sorts out which ones fit together.
Homebuyer Assistance Program
Paused for now
Volusia County (excluding Daytona Beach and Deltona)
Amount
Up to $75,000 (1-50% AMI); up to $60,000 (51-80% AMI)
Kind of help
Forgivable second loan
Who it's for
First-time buyers up to 80% AMI
Income cap
Overview (July 2025): 80% AMI $72,300 for 4 persons
Price cap
$327,750 (July 2025 overview)
First-timers only
Yes
Also note
HUD-certified counseling within 2 years; must apply through an Affordable Housing Partner; $500/$1,500 minimum contribution
0% 15-year deferred/forgivable loan. Aug 6, 2026 notice: new applications paused through at least Dec 31, 2026 (except certain SHIP-funded/donated properties).
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Volusia County teach one or offer one-on-one counseling before you buy.
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
Which class counts for you? Your loan officer knows which courses each Florida program accepts and can start your pre-approval in the same conversation. Start with the 2-minute check
Volusia County, asked and answered
What's the Hometown Heroes income limit in Daytona Beach?
Volusia County uses $148,650 under TBA, or $101,514 and $116,742 under Bond.
Do Deltona Fire Rescue employees qualify?
Yes. Full-time firefighters, EMTs and paramedics at a Florida fire department are eligible.
Do two eligible spouses get double?
No. The help is 5% of the one first mortgage, up to $35,000.
Hi, I'm Lisa. See if you're eligible for down payment assistance in Florida. I'll walk you through six quick questions, and you'll see your result before you leave the page.
