Home Buying Assistance
Purchase Assistance Program
Program Overview
What we fund: Down payment and closing cost assistance to help first-time buyers close the gap between their mortgage and the purchase price.
Security & Term: Assistance is secured by a 15-year, deferred, forgivable lien. Forgiveness occurs annually after the required occupancy period. If the home is sold or the program terms are not met before forgiveness, repayment may be required at sale.
Repairs are separate: Basic health, safety, insurance, or loan-required repairs may be funded separately from purchase assistance and are limited to eligible items only. Renovations and upgrades are not covered.
Funding & Priorities: Reviews occur as funding and program priorities allow. Please do not begin house hunting in reliance on this assistance until you receive an official Award Letter from Flagler County Housing Services.
Before You Apply
All applicants must first complete both a First-Time Home Buyer’s Class and credit counseling through Mid Florida Housing Partnership (MFHP). After counseling, MFHP will issue a Credit Readiness Confirmation Letter that verifies readiness to pursue mortgage financing.
Register or Schedule Counseling
Jennika Edgerton, MFHP
(386) 274-4441 (option 6) • jennika.edgerton@mfhp.org
1834 Mason Avenue, Daytona Beach, FL 32117
Ready to Apply?
Once you have completed the MFHP class and received your Credit Readiness Confirmation Letter, apply here:
Apply in the Flagler County Housing Application Portal
You will need to create an account and select “Purchase Assistance” to begin your application.
Income Limits & Award Levels (2025)
Maximum Home Price: $544,233
Eligibility is based on household size, income, and mortgage approval.
| Household Size |
Very Low Income (50% AMI) |
Low Income (80% AMI) |
Moderate Income (120% AMI) |
| 1 |
$33,200 |
$53,150 |
$79,680 |
| 2 |
$37,950 |
$60,750 |
$91,080 |
| 3 |
$42,700 |
$68,350 |
$102,480 |
| 4 |
$47,450 |
$75,900 |
$113,880 |
| 5 |
$51,250 |
$82,000 |
$123,000 |
| 6 |
$55,050 |
$88,050 |
$132,120 |
| 7 |
$58,850 |
$94,150 |
$141,240 |
| 8 |
$62,600 |
$100,200 |
$150,240 |
Award Levels
- Very Low Income: $49,950 (purchase) + up to $30,000 (repairs)
- Low Income: $39,950 (purchase) + up to $30,000 (repairs)
- Moderate Income: $29,950 (purchase) + up to $20,000 (repairs)
Important Note
- The maximum purchase award is $49,950, $39,950, or $29,950, depending on income level.
- Repair funds are separate and can only be used for eligible home repairs — not for home purchase.
Information for Lenders and Realtors
We value our lending and real estate partners for helping connect buyers with sustainable homeownership opportunities. To ensure smooth coordination, please review the following program expectations and guidelines.
- Refer clients to apply through Flagler County Housing Services. Applicants begin by completing Mid Florida Housing Partnership (MFHP) education and counseling, then applying through the County portal.
- Award Letters are required before proceeding with SHIP-funded transactions. Program funds are confirmed only through an official Award Letter issued by Flagler County.
- Timing and availability vary. Reviews are based on funding availability and program priorities. Award letters may take time to issue.
Application Timing and Review Process
Submission of an application does not result in immediate review or approval. Applicants may be placed in a queue depending on available funding and program priorities. For this reason, lenders and realtors should avoid moving forward with loan applications or purchase contracts that rely on SHIP funds until an official Award Letter has been issued by Flagler County Housing Services.
View the Flagler County SHIP Lenders’ Guidelines(PDF, 319KB)
Contact Us
For assistance with submitting applications:
386-586-2324 ext. 3622
Please schedule appointments for your convenience.