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Get Matched Free →First-Time Homebuyer Programs in Delaware
Delaware offers several homebuyer assistance programs through the Delaware State Housing Authority (DSHA), including the Welcome Home and Home Again first mortgage loan programs with below-market interest rates, plus multiple down payment assistance options. The Home Sweet Home program provides a $12,000 forgivable loan, the First State program offers 3% DPA, and the Diamond in the Rough program combines home purchase with renovation funding and 5% DPA. DSHA also offers a First-Time Homebuyer Tax Credit (Mortgage Credit Certificate) worth up to $2,000 per year.
Statewide Programs in Delaware
- Delaware Diamonds Home Loan
Forgivable Loan · Up to $10,000
- Delaware First-Time Homebuyer Tax Credit (MCC)
Tax Credit · Up to $2,000 per year in federal tax credits (35% of mortgage interest paid)
- DSHA Diamond in the Rough Program
Deferred Loan · 5% of the final loan amount for down payment and closing costs, plus up to $75,000 for renovations
- DSHA First State Home Loan DPA
Deferred Loan · 3% of the first mortgage loan amount
- DSHA Home Again Loan Program
Government-Insured Mortgage · Below-market 30-year fixed-rate first mortgage
- DSHA Home Sweet Home Program
Forgivable Loan · Up to $12,000
- DSHA Welcome Home Loan Program
Government-Insured Mortgage · Below-market 30-year fixed-rate first mortgage