FHA Loans in Daytona Beach, FL
$295,000
Median Home Price
Volusia County
County
75,000+
Population
4+ areas
Neighborhoods
Overview
FHA loans are government-backed mortgages designed for first-time homebuyers and those with less-than-perfect credit. They feature low down payments starting at 3.5%, flexible qualification guidelines, and competitive interest rates insured by the Federal Housing Administration.
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Local Market Insight — Daytona Beach, FL
With Florida's median home prices continuing to rise, FHA loans provide an accessible path to homeownership for buyers who may not qualify for conventional financing. The program is especially popular among younger buyers entering the market for the first time.
Daytona Beach, FL Housing Market
Daytona Beach offers some of the most affordable oceanfront living in Florida. The market attracts retirees, seasonal residents, and first-time buyers looking for value. USDA-eligible areas in western Volusia County expand zero-down options for qualifying buyers.
Popular Neighborhoods We Serve
Frequently Asked Questions
- What is a FHA loan?
- FHA loans are government-backed mortgages designed for first-time homebuyers and those with less-than-perfect credit. They feature low down payments starting at 3.5%, flexible qualification guidelines, and competitive interest rates insured by the Federal Housing Administration.
- How do I qualify in Daytona Beach, FL?
- Qualification depends on factors like credit score, income, and debt-to-income ratio. Contact Beacon Mortgage in Daytona Beach, FL for a personalized pre-qualification assessment.
- What are current rates in Daytona Beach, FL?
- Rates change daily based on market conditions. Reach out to our Daytona Beach, FL team for today's rates and a no-obligation quote.
- What is the median home price in Daytona Beach, FL?
- The median home price in Daytona Beach, FL is approximately $295,000. Contact us for current market data and financing options tailored to your budget.
FHA Loans Payment Calculator
Estimated Monthly Payment
$1,816.07
Loan amount: $280,000 · 30-year term at 6.75%
“Beacon Mortgage made the entire process seamless. Ralph and his team were responsive, knowledgeable, and truly cared about finding us the best rate.”
— Maria G., Orlando, FL