2026 loan limits in Volusia County
These are the 2026 limits for one-unit homes in Volusia County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.
Buying a home in Volusia County
Volusia runs from Ormond Beach and Daytona Beach south to New Smyrna Beach, with DeLand and Deltona inland. Hurricanes Ian and Nicole in 2022 caused severe beach erosion that damaged oceanfront homes and condos in Daytona Beach Shores and Wilbur-by-the-Sea, so seawall condition and condo reserves matter on beachfront purchases. Deltona and the west side offer some of the lowest prices on Florida's Atlantic coast.
Areas served in Volusia County
We work with buyers and homeowners throughout Volusia County, including Daytona Beach, Ormond Beach, New Smyrna Beach, Port Orange, DeLand, Deltona, and DeBary.
Florida closing costs on a Volusia County purchase
Example: a $560,000 purchase with an FHA loan of $540,400. The state taxes on that deal:
- Deed doc stamps: $0.70 per $100 of price = $3,920. The standard Florida contract has the seller pay this; check yours.
- Doc stamps on the mortgage note: $0.35 per $100 of loan = $1,891. Paid by the buyer.
- Intangible tax on the mortgage: 0.2% of the loan = $1,081. Paid by the buyer.
Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.
Homestead exemption in Volusia County
If the home will be your primary residence, file for the homestead exemption with the Volusia County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.
Loan programs available in Volusia County
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.