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VA loans in Delaware

Quick answer

VA loans in Delaware let eligible veterans and service members buy with 0% down and no monthly mortgage insurance. With full entitlement there's no VA loan limit; a one-time funding fee applies unless exempt.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

VA loan snapshot for Delaware

ItemEstimate
Minimum down payment0%
Minimum credit scoreNo VA minimum (lenders often 580–620)
Typical DE home value$326,800
3.5% down on typical home$11,438
20% down on typical home$65,360
Avg. effective property tax0.53%/yr (~$144/mo)
Income for typical home (31% rule)$99,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Delaware programs pair with VA loans?

  • Preferred Plus: A first mortgage paired with down payment and closing cost assistance for eligible buyers.
  • First-Time Homebuyer Tax Credit: A mortgage credit certificate that can reduce federal income taxes each year you keep the loan.

Details and current limits: Delaware State Housing Authority (DSHA).

Who is eligible for a VA loan?

  • Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
  • Active-duty service members after 90 continuous days.
  • National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
  • Surviving spouses of service members who died in service or from a service-connected disability (in many cases).

What is the VA funding fee?

The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.

Down paymentFirst useSubsequent use
Less than 5%2.15%3.3%
5% to under 10%1.5%1.5%
10% or more1.25%1.25%

VA loans in Delaware cities

VA in WilmingtonVA in DoverVA in NewarkVA in MiddletownVA in BearVA in GlasgowVA in BrooksideVA in HockessinVA in SmyrnaVA in MilfordVA in Pike Creek Valley

Frequently asked questions

Yes. VA loans are available statewide in Delaware through approved lenders, subject to county loan limits where they apply.

Often yes. Delaware State Housing Authority (DSHA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Delaware.

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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.