Delaware First-Time Home Buyer Programs 2026
$10,000 DPA available through Delaware State Housing Authority (DSHA). DSHA SMAL program offers $10K at 0% — deferred until sale or refinance.
Max Assistance
$10,000 DPA
Type
0% deferred loan
Min Credit
620+
Max Home Price
$417,000
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Delaware First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| DSHA SMAL DPA Best statewide program | $10,000 | 0% deferred loan | 620+ | $80.2K–$100.3K |
| DSHA First-Time Homebuyer Tax Credit Stack with SMAL | Up to $2K/yr | MCC tax credit | 620+ | Same |
Eligibility Requirements
- ✓Must not have owned a home in 3 years
- ✓620+ credit score
- ✓Income within DSHA limits
- ✓Homebuyer education required
- ✓Primary residence in DE
Pro Tip
DSHA programs work statewide in Wilmington, Dover, Newark, Middletown and all DE counties.
How to Apply for Delaware Programs
Get Pre-Approved
Work with a DSHA-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Delaware State Housing Authority
DSHA — Delaware official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Delaware?
The best program in Delaware is the DSHA SMAL DPA, which offers $10,000 as a 0% deferred loan. Minimum credit score: 620. Income limit: $80.2K–$100.3K.
How much down payment assistance is available in Delaware?
Delaware offers up to $10,000 DPA through Delaware State Housing Authority (DSHA). The assistance is structured as a 0% deferred loan. Income limits are $80,200–$100,250 depending on household size and county.
What credit score do I need for Delaware first-time buyer programs?
Most Delaware programs through DSHA require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an DSHA-approved lender for your exact score requirements.
What is the income limit for Delaware first-time buyer programs in 2026?
In 2026, Delaware income limits are $80,200–$100,250 depending on household size and county. The home price limit is $417,000. These limits are set by Delaware State Housing Authority.
Don't Leave $10,000 DPA on the Table
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