Delaware • First-Time Homeowner programs
First-Time Homeowner grants in Delaware
Browse first-time homeowner grants available in Delaware, including statewide and local programs.
5 active programs in Delaware
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Delaware State Housing Authority – HomeownershipDEFirst-Time Homeowner
Updated: Nov 29, 2025
The DSHA Loan Products page details the specific Smart Start, First State Home Loan and Diamond in the Rough offerings, showing how Delaware first-time and repeat buyers can pair a DSHA mortgage with 3%–5% down payment and closing-cost assistance.
Eligible for: Low- and moderate-income Delaware homebuyers who qualify for DSHA Welcome Home or Home Again FHA, VA, USDA or conventional 30-year fixed-rat…
City of Wilmington – Department of Real Estate and HousingDEFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
Wilmington’s First Start Homebuyer Program provides up to $15,000 in down payment and closing-cost assistance to low- and moderate-income first-time buyers purchasing owner-occupied homes inside city limits.
Eligible for: First-time homebuyers, displaced homemakers and single parents purchasing a single-family home within the City of Wilmington who have not ow…
New Castle County – Community Development & HousingDEFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
New Castle County’s Down Payment & Settlement Assistance (DPS) Program offers income-qualified buyers up to $10,000 in deferred, low-cost loan funds to help with down payment and closing costs when buying a home in the county.
Eligible for: Low- and moderate-income households purchasing a home in New Castle County who need help covering customary down payment and settlement char…
Delaware State Housing Authority – HomeownershipDEFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
DSHA’s “How We Can Help” page is the central hub for Delaware first-time homebuyer assistance, outlining Welcome Home and Home Again mortgage programs plus layered down payment help like First State Home Loan and Diamond in the Rough.
Eligible for: Delaware first-time and repeat homebuyers using DSHA’s Welcome Home or Home Again mortgage programs who meet county income and purchase-pric…
City of Dover – Dover First Start Homeownership Downpayment and Settlement Assistance Program
RollingCity of Dover – Community Development OfficeDEFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
The Dover First Start Homeownership Assistance Program offers low- and moderate-income first-time buyers a 0% interest second-mortgage loan of up to $20,000 for down payment and settlement charges on homes within the City of Dover.
Eligible for: First-time homebuyers purchasing a principal-residence home within Dover city limits who have at least $1,000 in their own cash (excluding g…