Volusia County New Home of the Week

How to buy a house in Florida when money or credit is tight

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If saving for a down payment, rebuilding credit, or getting preapproved has slowed you down, start with what’s within reach. Lise Forte can connect you with a mortgage professional to estimate what you might qualify for and how much cash you may need at closing. She can then help you compare new homes in Volusia and Flagler counties, including New Smyrna Beach.

Can I buy a house with no money down?

Eligible buyers may be able to buy with zero down through a VA or USDA loan. USDA loans also have property eligibility requirements. Ask your lender for an estimate of the total cash you’ll need at closing, since closing costs can still apply.

Where can I find low down payment options or assistance?

Ask a lender to compare low-down-payment FHA and conventional options and check whether you qualify for down payment assistance. In Volusia and Flagler counties, confirm which programs are accepting applications and whether the property qualifies before counting on assistance.

Can I buy a house with bad credit?

A mortgage professional can review your credit, income, and debts, explain what you might qualify for, and help identify what to work on if you need more time. One resource Lise can introduce you to is the DHI Mortgage Home Buyers Club. It offers credit education, a personalized action plan, and budgeting guidance. Enrollment requires a HUD-approved homebuyer education course at your own expense. You can choose your own lender and builder. The program doesn’t guarantee loan approval or a higher credit score.

Interested in a D.R. Horton home? Contact Lise before reaching out to the builder or touring a model so she can register you as her buyer.

Ask Lise How to Get Started

Available D.R. Horton homes in Volusia and Flagler counties

Browse 200 homes across 22 communities and listing groups. Open a community to compare homes, then choose a home to ask Lise for photos, confirm availability, or arrange a tour.

Inventory checked November 15, 2026. Prices and availability can change. Builder images may show a model home or rendering. Contact Lise first so she can register you as her buyer with D.R. Horton before a tour.

Volusia County · New Smyrna Beach · Flagler County

Volusia County · 109 homes

Daytona Beach

DeLand

Deltona

Holly Hill

New Smyrna Beach

Ormond Beach

Osteen

Port Orange

Flagler County · 91 homes

Bunnell

Ormond Beach

Palm Coast

Questions about financing a new home in Volusia County

What is cash to close?

Cash to close is what you bring to closing after accounting for your down payment, closing costs, deposits already paid and credits that apply. Ask the lender which costs any builder credit can cover.

What is debt-to-income ratio?

Debt-to-income ratio compares expected monthly housing costs and other monthly debt payments with gross monthly income. Lenders use it to evaluate mortgage options.

How does a rate buydown affect my payment?

A permanent buydown can lower the principal and interest portion of the payment. A temporary buydown can lower payments for a set period. Ask the lender which payment it uses to qualify you and what the payment will be after the temporary period.

For help comparing homes and preparing questions for your lender, call 386-212-1670 before your first builder visit. Lise Forte, REALTOR® · LoKation Real Estate.