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Delaware down payment assistance programs

Quick answer

Delaware buyers can get down payment help from Delaware State Housing Authority. We verified 2 statewide programs, including First State Home Loan (Zero-interest second mortgage equal to 3% of the first mortgage loan amount). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Delaware offer?

ProgramAmountTypeMin. creditFirst-time only?
First State Home LoanZero-interest second mortgage equal to 3% of the first mortgage loan amountDeferred-payment loan620No
Keys4You Home LoanZero-interest second mortgage equal to 4% of the first mortgage loan amountDeferred-payment loan620No

How do I apply for Delaware down payment assistance?

  1. Find a participating lender approved by Delaware State Housing Authority.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Delaware

WilmingtonDoverNewarkMiddletownBearGlasgowBrooksideHockessinSmyrnaMilford

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDistrict Of ColumbiaFloridaIdahoIllinoisIowa

Frequently asked questions

First State Home Loan: Zero-interest second mortgage equal to 3% of the first mortgage loan amount; Keys4You Home Loan: Zero-interest second mortgage equal to 4% of the first mortgage loan amount.

Not always — First State Home Loan and Keys4You Home Loan are open to repeat buyers too.

Published minimums range from 620 to 620 among the programs we verified.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.