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Funding is no longer available.

Rebuilding Our Communities (ROC) - The $25,000 forgivable loan for downpayment, closing costs and first mortgage balance reductions.

This loan provides downpayment and closing cost assistance of $25,000 to assist homebuyers with purchasing a vacant or foreclosed home in specific qualified census tracts. ROC provides a forgivable grant to be used for downpayment and closing cost assistance to assist homebuyers with purchasing homes. These homes must have been vacant for 90 days or more prior to the date of the sales contract, or have had foreclosure proceedings initiated or completed. All ROC recipients will receive the full $25,000 with any remaining funds in excess of those needed at closing used to reduce the initial amount of the first mortgage. Any first mortgage amount reduction means that your monthly payments will be lower for the life of the loan.

How To Apply

  1. Contact a participating mortgage lender and say you want to participate in this program.
  2. Please view Home Buyers' Information Guidebook

Borrower Qualifications

Maximum household income for eligibility are as follows:
Income Limits For Households at 120% of Area Median Income (AMI)
County 1 Person Household 2 Person Household 3 Person Household 4 Person Household 5 Person Household 6 Person Household
New Castle $66,600 $76,080 $85,560 $91,080 $91,080 $91,080
Kent $55,800 $63,720 $71,640 $79,560 $84,065 $84,065
Sussex $50,040 $57,120 $64,320 $71,400 $77,160 $82,920


  1. Borrowers must qualify for and utilize a DSHA first mortgage product.
  2. Borrowers must participate in a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling program/home ownership education.

Property Qualifications

Loan Terms

Rebuilding Our Communities (ROC) Qualified Census Tracts
New Castle Kent Sussex Wilmington
103 408 502 3
139.01 414 518.02 5
141 430 6.01
147.03 6.02
148.08 7
149.03 8
149.05 9
150 15
152 16
154 17
155 21
156 22
158 23
159 26
160 27
Census 2000
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  Map Legend Definitions
 - ROC Target Areas: Additional Downpayment & Settlement Assistance Available via ROC

 - HLP Target Areas: Higher Income and Purchase Price Limits Apply for HLP

To determine if a property is in one of the eligible census tracts, please access the website. http://www.ffiec.gov/Geocode/default.aspx and enter the property address.

Contact DSHA
Do you have questions about this program? Please contact DSHA toll-free at (888) 363-8808 or via email at ContactDSHA@DeStateHousing.com.