Owner Occupied FAQ

Owner Occupied Home Repair

The City of Deltona currently has limited funding through our State Housing Initiative Program (SHIP) and Community Development Block Grant (CDBG) program for Rehabilitation.

Q: What is the Owner Occupied Rehabilitation Program?

A: The Owner-Occupied Rehabilitation is a program implemented by the City of Deltona to assist eligible homeowners with necessary code, health, and safety repairs.  The program is implemented by the City through federal and state grants. Applicants can receive up to $30,000 for needed repairs.   The assistance is in the form of a 15-year non-interest bearing mortgage equal to the amount of assistance awarded.   To qualify for this program the applicant must meet income and other program requirements.

Q: Will I be required to pay this loan back?

A: The City of Deltona will place a 15-year non-interest bearing mortgage on the property.  If the house is sold, transferred, rented, or if the homeowner(s) obtain additional liens on the property within the 15-year life of the mortgage, you will have to pay the money back. Additional default scenarios will be provided to you prior to application approval. If you remain in your home for 15 years the mortgage will be forgiven in full.

Q: Are there any properties that cannot participate in this program?

A: Mobile homes 2nd homes and rental properties are not eligible to participate in this program. In addition, applicants cannot own or have interest in any other dwelling unit or have successfully received owner-occupied repair assistance from the City in the past.

Q: What is considered income?

A: Income for the purpose of this program includes, but is not limited to, salaries, commissions, bonuses, tips, interest income from checking/savings accounts, stocks, bonds, certificate of deposits (CDs), Individual Retirement Accounts (IRA), dividends, payments from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits; unemployment, disability, and/or worker’s compensation, welfare assistance, income from the operation of a business, and alimony or child support payments, etc.  Self-employed applicants should provide tax returns and recent Profit and Loss statement.

Q: Will be required to attend a 1st Time Homebuyers Class?

A: Yes you will be required to attend a 1st Time Homebuyers class.  The class will involve six to eight hours and will include a maintenance segment.

Q: How do I apply for assistance under this program?

A: You will need to complete the Application which is located on our website. You can also obtain an Application from City Hall located at 2345 Providence Blvd in Deltona. Complete and submit the Application, along with the required documentation, to the Housing and Community Development department between the hours of 9:00 AM and 3:00 PM Monday through Thursday or by mail, 2345 Providence Blvd, Deltona, FL 32725. You will be notified in writing within approximately 60 days of receipt of a complete Application as to the disposition of your Application.   

Q: How long does the process take?

A: The Owner Occupied Home Repair Program employs a first come, first complete, first serve policy.  The Application process will take approximately 60 days.  The final approval process should take an additional 30 to 45 days (dependent upon how complete your application and documentation is at time of submission).  Incomplete applications could cause these times to increase.  The total process (including repairs) could take 6 to 12 months.  We will continue to process applications until all of the funds have been encumbered.