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Delaware Home Sweet Home Program

Delaware State Housing Authority offers Home Sweet Home Program to home buyers in Delaware: up to $12,000, as a forgivable loan.

Amount
As much as $12,000
Help type
Loan that can be forgiven
Only first-time buyers
No
Credit score level
At least 620

As a forgivable loan, it's a second loan at 0% that can be forgiven; the agency page doesn't say under what conditions.

Keep your home, with its first mortgage in place, for the program's set years; then the forgivable loan is written off.

Who qualifies for Delaware Home Sweet Home Program?

  • There are income limits; see the DSHA homeownership website.
  • Being a first-time buyer isn't required.
  • Your credit score must be at least 620.
  • The home's price can't exceed $285,000.

Your county and household size set most of the limits. Use our HUD income limit tool to see the median income in your area and how your household compares.

How to apply for Delaware Home Sweet Home Program

  1. The Delaware State Housing Authority sends this help through approved lenders; apply with one of them when you take out your home loan.
  2. The lender checks the home, your credit and your income under the program's rules, then sets the money aside for you.
  3. At closing, the money goes toward your down payment and closing costs.

Check whether it is taking applications and the full rules on Delaware State Housing Authority's page for Home Sweet Home Program, or use the agency's list of participating lenders to pick a lender.

Ask a lender about Delaware Home Sweet Home Program

Tell us where you're buying and a lender that works with Delaware's programs can tell you whether Delaware Home Sweet Home Program fits you, and what you could combine with it.

Call 866-602-7460

Prefer not to call? Share your details and the lender will contact you.

When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

Delaware's other first-time buyer programs

Every Delaware first-time home buyer program · Down payment help in every state