Help to buy in Delaware
Home-buying assistance programs in Delaware
3 official programs for down payment and closing cost help in Delaware, from Delaware State Housing Authority. We show what each program says on its own page, with the date we checked it.
Key numbers in Delaware
- Verified programs
- 3
- from Delaware State Housing Authority
- First-time buyers only
- 1
- 2 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
-
Forgivable
Second loan forgiven if you stay in the home
-
Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in Delaware
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
-
- Forgivable
Delaware state authority second loan of $12,000 at 0%, forgiven 10% for each year you live in the home (all of it after 10 years), for homes up to $285,000; the agency announced it as a temporary program
What it gives, per the source
A zero-interest forgivable second loan of $12,000
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Delaware State Housing Authority (DSHA)
Verified November 5, 2026
-
- Deferred
Delaware state authority 0% second mortgage equal to 4% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; with the Welcome Home (first-time buyers) or Open Door (any buyer) mortgages
What it gives, per the source
Zero-interest second mortgage equal to 4% of the first mortgage loan amount for down payment and closing costs assistance. … No monthly payment required. Payment is deferred until the following events (whichever comes first): refinance, sale of home, transfer of title, or property is no longer used as a primary residence.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Delaware State Housing Authority (DSHA)
Verified November 5, 2026
-
- Deferred
Delaware state authority 0% second mortgage equal to 5% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; only with the Welcome Home mortgage for first-time buyers
What it gives, per the source
Zero-interest second mortgage equal to 5% of the first mortgage loan amount for down payment and closing costs assistance. … No monthly payment required. Payment is deferred until the following events (whichever comes first): refinance, sale of home, transfer of title, or property is no longer used as a primary residence.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Delaware State Housing Authority (DSHA)
Verified November 5, 2026
No program matches your search.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Delaware?
Of the 3 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.