Delaware · Subsidized loan

DSHA Home Again (Delaware)

Below-market rate + DPA for repeat buyers

Below-market rate mortgage for repeat buyers. DPA available. Not limited to first-time buyers.

Delaware's Home Again — "Kiss your landlord goodbye" — provides DPA to repeat buyers. One of the few states helping non-first-time buyers, Delaware recognizes that life circumstances change and ownership shouldn't be a one-time opportunity.

AmountBelow-market rate + DPA for repeat buyers

TypeSubsidized loan

Available inDelaware

First-time buyer requiredNo

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

One of the few state HFAs explicitly marketing to repeat buyers with "Kiss your landlord goodbye."

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

DSHA Welcome Home (Delaware) Below-market rate + 0% deferred DPA

Delaware · Deferred 0% loan

Delaware First-Time Homebuyer Tax Credit 35% of interest = ~$2K/year tax credit

Delaware · Annual tax credit

All Delaware programs →

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