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Learn more about the Delaware Mortgage Program

Buy a Home

Delaware Mortgage Program

Below-market loans, down payment help, current rates, and the people who can guide you — everything Housing Delaware offers Delaware homebuyers.

Ready to buy a home in Delaware? We’re here to help.

Buying a home is a big step — and an exciting one. Every year, thousands of Delaware families turn to Housing Delaware to make homeownership possible. Last year, 1,593 families just like yours used our programs to purchase a home. Whether you’re buying your very first home or looking for more space as your needs grow, Housing Delaware's Delaware Mortgage Program is designed to support you at every stage of your journey.

Learn about our loans Connect with a loan officer
A smiling couple standing on the front lawn of their two-story blue house with a red front door

Where do you want to start?

Loans, rates, lenders, counselors, and help if you fall behind — pick the one that fits where you are today.

Steps to buying a home

Here is the path from getting started to moving in.

  1. Connect with a loan officerStart with a DSHA-trusted loan officer who can review your options.
  2. Find a realtor, find a homeFind a realtor to help you search for and choose the right home.
  3. Get the right mortgageChoose one of DSHA’s home loan programs to match your needs.
  4. Get an appraisalMake sure the home will match the value of your loan.
  5. Close on your homeYou’re now the legal owner!
  6. Move inYour new chapter is just beginning!
See current interest rates Find a participating lender

Delaware Mortgage Program impact in 2025

What the program delivered for Delaware families over the past year.

1,593 Delaware families purchased a home with DSHA’s help
$46.9M In first mortgages provided ($46,949,548)
$11.9M In down payment and closing cost assistance provided ($11,900,432)

Success stories

Real Delaware homebuyers who reached their goal with DSHA’s help.

Dominique Bennett smiling and holding a black wooden home sign engraved with the coordinates of her new house

Dominique Bennett

After graduating from Delaware State University, Dominique lived with family before buying her first home. Read her story

Debra Mack holding up the keys to her new home alongside two supporters

Debra Mack

Debra sought a Housing Choice Voucher because she needed help paying rent — and became a homeowner. Read her story

Alyce Jones smiling and holding an oversized key after closing on her first home

Alyce Jones

For Alyce, the road to first-time homeownership spanned years and an initial lender rejection. Read her story

Petric Handy smiling at the front door of her new home beside a welcome sign

Petric Handy

Petric was living in an apartment complex in Selbyville before reaching her homeownership goal. Read her story

Krystal Dean holding a large sold key sign outside the window of her new home

Krystal Dean

Krystal knows what it’s like to be homeless — and became a homeowner through DSHA programs. Read her story

Delaware State Housing Authority Delaware Mortgage Program logo

A stronger mortgage program

The Delaware Mortgage Program continues competitive interest rates and expands down payment assistance. Read the announcement

View all news

Not sure where to start?

Reach the DSHA homeownership team by phone or email and we’ll point you to the right loan officer, lender, or counselor.