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Frequently Asked Questions

Homebuyer Education FAQs

What is down payment assistance?  
Down Payment Assistance (DPA) programs provide funds to assist qualified buyers with down payment and closing costs to purchase a home.  The funds are provided in the form of a no-cost or low-cost second mortgage.  One requirement to qualify is completion of a HUD-approved homebuyer education course.   UF/IFAS Extension Volusia County is a HUD-approved Housing Counseling Agency that provides homebuyer education classes free of charge to residents. Visit www.volusia.org/homebuyer to view the class schedule and to register. 

There are several DPA programs available to county residents. The Homebuyer Education class provides information on programs available in Volusia County, the City of Deltona, and the Florida State Bond program.  Information on DPA programs for all counties and cities in Florida is available upon request.

How do I register for the class?
Visit www.volusia.org/homebuyer for the class schedule and registration information.  

Is there a charge for the class? 
No. There is no fee or cost to the class participants. The classes are sponsored by Volusia County and the City of Deltona.

Does my spouse need to attend the class? 
Volusia County requires that only one spouse complete the class.  The City of Deltona requires both spouses to complete the class.

Do I need to attend the Homebuyer Education class in the county where I will purchase a home?
No. The certificate of completion is nationally recognized and can be used in any state, county or city in the United States.

Can I use the certificate from another agency or county to apply for DPA in Volusia County?
Volusia County and the City of Deltona accept certificates from any HUD-approved Housing Counseling agency as long as it is dated within 24 months of completion of the homebuyer education course.

When does the certificate expire?
Certificates of completion of the Homebuyer Education course are in effect for up to 24 months for most DPA programs. The certificate expires 12 months after the date of completion for the Florida Housing Financial Corporation Bond program.

How do I know if I am eligible for down payment assistance? How much funding is available to me?
Click on the following links to learn more about eligibility requirements for down payment assistance programs in these areas:

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123 W. Indiana Ave.
DeLand, FL 32720
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