Delaware Down Payment Assistance

Learn About Delaware Down Payment Assistance

The following mortgage down payment assistance programs were developed by the Delaware State Housing Authority (DSHA). See more information about Delaware Local down payment assistance programs.

Second Mortgage Assistance Loan (SMAL)

  • Maximum loan of $10,000 for those who qualify for down payment assistance in Delaware
  • Payable at the end of 30 years (or upon payoff of your first mortgage, sale of your home, or transfer of title

Live Near Your Work Program (LNYW)

  • Participating employers provide employees with a Delaware down payment grant to be used towards the purchase of a home within a 3-mile radius of the workplace
  • Minimum loan of $1,000, to be matched by DHSA and the participating local jurisdiction

Home Buyer’s Education

To qualify for down payment assistance in Delaware, buyers are required to participate in a U.S. Department of Housing and Urban Development (HUD) certified housing counseling/home ownership program.