Increase your buying power in Delaware
15 homebuyer assistance programs in Delaware put grants, forgivable loans and special mortgages toward your down payment and closing costs, so your budget goes further. Add creative financing like seller credits and rate buydowns, and it stretches even more.
What 15 programs tell us about buying in Delaware
DSHA sets the statewide floor
Delaware State Housing Authority offers deferred loans of 3% (First State Home Loan) or 5% (Diamond in the Rough) of the loan amount, repaid only when you sell, refinance or move out.
Local awards top out at $20,000
Sussex County and the City of Dover each offer up to $20,000; Wilmington adds up to $15,000 or 6% of the price.
A benefit that lasts every year
Delaware’s first-time homebuyer tax credit returns 35% of the mortgage interest you pay, up to $2,000 a year.
How the help arrives · 15 programs
Award sizes · grants and loans with a dollar cap
3 more pay a percentage of the price or loan, which scales with the home you buy. Your award depends on income, price and location.
Who runs them
6 programs are available statewide. 9 are limited to a city, county or region, so the address you buy at changes what you can get.
More programs, more buying power. Most buyers qualify for more than one. The Wallet Wizard checks income limits, price caps and location rules across all 15 Delaware programs and 18 multi-state programs at once, and shows where creative financing like seller credits can stack on top.
Check my eligibilityPrograms to know in Delaware
A few of the 15 programs we track, chosen for reach, award size and terms. Amounts are program maximums; what you receive depends on income, price and location.
First State Home Loan
Delaware State Housing Authority3% of the final loan amount toward down payment and closing costs, paired with a DSHA first mortgage.
Diamond in the Rough
Delaware State Housing Authority5% of the final loan amount toward down payment and closing costs, with a DSHA first mortgage.
Housing Trust Fund Direct Homebuyer Assistance
Sussex CountyUp to $20,000 toward the purchase for households up to 120% of area median income.
First Start Down Payment Assistance
City of DoverUp to $20,000 at 0% interest for down payment and closing costs, for households at or below 80% of area median income.
First Start Homebuyer Program
City of WilmingtonThe lesser of $15,000 or 6% of the price, for households up to 100% of area median income.
First-Time Homebuyer Tax Credit
Delaware State Housing AuthorityConverts 35% of your annual mortgage interest into a federal tax credit, up to $2,000 every year you keep the loan.
18 multi-state programs also serve Delaware
Offered by banks, credit unions and Federal Home Loan Banks in several states at once. Most are tied to that lender's own mortgage, so the lender you choose decides whether you can use them. The Wallet Wizard shows which ones you can pair.
These are 4 of the 18 multi-state programs open to Delaware buyers. See which ones you qualify for
See how much more home you can afford in Delaware
- 1Answer a few questions in the Wallet WizardWhere you want to buy, household size, income range, job and military status.
- 2Get matched against every program we trackIncome limits, price caps, location rules and repayment terms, checked for you.
- 3Work with a pro who knows creative financingAgents and loan officers on Homebuyer Wallet see the same matches you do, and can layer in seller credits, lender credits and rate buydowns.
Every Delaware program, matched to your buyer in seconds
Homebuyer Wallet gives professionals the full program record: income tables, price caps, approved lenders, provider contacts and application steps. Close the deals that stall on cash to close.
Delaware homebuyer assistance FAQ
How much down payment assistance can I get in Delaware?
It depends on where you buy and your household income. Among the 8 Delaware programs we track that publish a dollar cap, the median award is $12,500. Others pay a percentage of the price or loan. The Wallet Wizard shows the amounts you could get for the home you want.
How do these programs increase my buying power?
Assistance covers part of your down payment or closing costs, or lowers your rate, so less of your own cash goes in upfront. The same savings and income can then support a higher purchase price or a lower monthly payment. Many buyers stack a statewide program with a local one to stretch further.
Can I combine these programs with seller credits or other creative financing?
Usually, yes. Seller credits toward closing costs, lender credits and rate buydowns can often be used alongside assistance programs, within your loan’s limits. The Wallet Wizard shows what fits together, and Homebuyer Wallet agents and loan officers can help you structure it.
Do I have to pay the assistance back?
7 of the 15 active programs (47%) are grants or forgivable loans: you repay nothing if you keep the home as your primary residence for the required period. 4 more are deferred or repayable second loans, due when you sell, refinance or move out, or paid monthly.
Do I need to be a first-time homebuyer?
Not always. 1 of the 15 Delaware programs we track explicitly require first-time status, and most of those count anyone who has not owned a home in the past three years. The Wallet Wizard checks each program’s ownership rule for you.
Are there programs for teachers, first responders or other workers?
Yes. 4 programs we track in Delaware are tied to a specific employer or profession, such as public employees, educators, first responders, healthcare workers or service members. Job-based programs often stack with income-based ones.
Can I combine more than one program?
Sometimes. Delaware has 6 programs available statewide and 9 limited to a city, county or region. Many local programs are built to layer on top of a statewide loan; others prohibit stacking. Your lender confirms what combines with your first mortgage.
How do I find out which programs I qualify for?
Answer a few questions in the Wallet Wizard: where you want to buy, household size, income range and job. It checks income limits, price caps, location rules and funding status across every program we track in Delaware, plus multi-state and national programs, and shows the ones that fit.
How current is this information?
Our team reviews every program against the provider’s own materials on a rolling basis. Funding opens and closes often; the Wallet Wizard shows each program’s current status.
Explore another state
All Top ProgramsSource: the Homebuyer Wallet database of 2,000+ Community Home Investment Programs (CHIPs). Each program is reviewed by our team against the provider’s own website and documents. Award amounts are program maximums.