Your Daytona Beach Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Down Payment Assistance Programs in Daytona Beach, FL — Home Loans & Pre-Approvals

Nick Lazarevic (NMLS #386391) with 1st Capital Group serves Daytona Beach and all of Volusia County with conventional, FHA, VA, and specialty loan programs. From beachside condos to family homes in Port Orange and Ormond Beach, get pre-approved in as little as 24 hours.

Down Payment Assistance Programs in Daytona Beach

Daytona Beach buyers have access to statewide DPA programs plus Volusia County local assistance that can be combined for $45,000+ in total help toward your down payment and closing costs.

Statewide Programs Available to Daytona Beach Buyers

Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. For teachers, nurses, first responders, military, and 50+ eligible professions.
FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments.
FL HLP: Up to $10,000 — 3% interest, 15-year repayment.
Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans don’t need to be first-time buyers.

Volusia County Local Programs

Volusia County receives SHIP funding from the state and may offer additional local DPA programs. Program amounts and availability change throughout the year. I track which programs are currently funded and accepting applications in Daytona Beach and the surrounding area.

Daytona Beach DPA Stacking Example

Hometown Heroes: $35,000 (state)
FL Assist: $10,000 (state)
Volusia County SHIP/local programs: varies
Total potential: $45,000+ depending on local availability

I specialize in finding and stacking every DPA program you qualify for. Contact me for a personalized breakdown based on your income, occupation, and where you’re buying in Daytona Beach.

2026 Conforming Loan Limit

The conforming loan limit for Volusia County in 2026 is $832,750.

Frequently Asked Questions

Do I need flood insurance in Daytona Beach?

Many beachside and waterfront properties in Volusia County are in FEMA flood zones and will require flood insurance with a mortgage. We factor flood insurance into your total payment analysis.

What down payment assistance is available in Daytona Beach?

Statewide programs like Hometown Heroes (up to $35,000) and FL Assist ($10,000), plus Volusia County SHIP funding. These can often be stacked.

Daytona Beach’s Housing Market

Daytona Beach offers an affordable coastal lifestyle that attracts retirees, first-time buyers, and vacation property investors. The beachside communities draw condo buyers while mainland areas like Port Orange, Ormond Beach, and DeLand offer single-family homes at prices well below South Florida. The Daytona International Speedway and tourism industry support a steady rental market. Deltona, in western Volusia County, has been one of the fastest-growing affordable communities in the region.

Available Loan Programs

Conventional Loans — Competitive rates for primary residences, second homes, and investment properties
FHA Loans — Low down payment options popular with first-time buyers
VA Loans — Zero down payment for eligible veterans
DSCR / Investor Loans — Qualify based on rental income for vacation and long-term rentals
USDA Loans — Zero down payment in eligible rural areas of Volusia County

Serving All of Volusia County

Nick serves homebuyers throughout Volusia County, including Daytona Beach, Port Orange, Ormond Beach, Deltona, DeLand, and New Smyrna Beach. Licensed statewide.

Call: 954-300-1287 | Email: [email protected] | Contact Us for More Help