Delaware · Deferred 0% loan

DSHA Welcome Home (Delaware)

Below-market rate + 0% deferred DPA

Below-market 30-year fixed + DPA as 0% deferred second mortgage. For first-time buyers.

Delaware State Housing Authority's Welcome Home program provides DPA to first-time buyers purchasing anywhere in the state. The assistance covers down payment and closing costs and pairs with DSHA's competitive first mortgage rates through FHA, VA, and conventional loans.

Delaware's small geography means the entire state is served by a single housing authority with streamlined processes. The Welcome Home program has been one of DSHA's most popular offerings, consistently funding thousands of first-time purchases annually.

AmountBelow-market rate + 0% deferred DPA

TypeDeferred 0% loan

Available inDelaware

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

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 Home Again (Delaware) Below-market rate + DPA for repeat buyers

Delaware · Subsidized 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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