What is the Owner Occupied Rehabilitation Program?

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.

Will I be required to pay this loan back from the Owner Occupied Home Repair program?

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.

What is considered income for Owner Occupied Home Repair program?

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.

How do I apply for assistance under the Owner Occupied Home Repair program?

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.