First State Home Loan (Welcome Home)
Delaware State Housing Authority (DSHA), via the "Delaware Mortgage Program" (rebranded April 2026, formerly "Kiss Your Landlord Goodbye")
Amount: Zero-interest, deferred second mortgage equal to 3% of the first mortgage loan amount; no monthly payments, repaid only upon sale, refinance, transfer of title, or when the home stops being the primary residence
Type: Deferred-payment silent second mortgage (down payment/closing cost assistance)
Must be a first-time homebuyer (Welcome Home category); minimum credit score 620 (mandatory HUD-approved housing counseling required if score is 659 or below); must use a DSHA-approved 30-year fixed first mortgage (conventional, FHA, VA, or USDA); household income limits (as of the current DSHA schedule): New Castle County $122,700 (1-2 person) / $141,105 (3+ person); Kent & Sussex Counties $111,400 (1-2 person) / $128,110 (3+ person); purchase price limits approximately $617,241 (New Castle) and $544,232 (Kent/Sussex)
Keys4You Home Loan
Delaware State Housing Authority (DSHA), available under both Welcome Home (first-time buyers) and Open Door (repeat buyers) categories
Amount: Zero-interest, deferred second mortgage equal to 4% of the first mortgage loan amount; no monthly payments, deferred until sale/refinance/transfer
Type: Deferred-payment silent second mortgage (down payment/closing cost assistance)
Open to both first-time and repeat buyers; minimum credit score 620 (housing counseling required if 659 or below); Welcome Home income limits apply for first-time buyers (same as First State above); Open Door (repeat buyer) income limits are higher: New Castle $147,240 (1-2 person)/$184,050 (3+); Kent & Sussex $133,680 (1-2 person)/$167,100 (3+); same purchase price limits as First State
Take5 Home Loan
Delaware State Housing Authority (DSHA), Welcome Home category only
Amount: Zero-interest, deferred second mortgage equal to 5% of the first mortgage loan amount for down payment and closing costs; no monthly payments
Type: Deferred-payment silent second mortgage (down payment/closing cost assistance)
First-time homebuyers only (Welcome Home); minimum credit score 620 (counseling required if 659 or below); same Welcome Home income limits as First State (New Castle $122,700/$141,105; Kent & Sussex $111,400/$128,110); same purchase price caps as above
Diamond in the Rough Home Loan
Delaware State Housing Authority (DSHA), Welcome Home category only
Amount: Zero-interest, deferred second mortgage equal to 5% of the loan amount, paired specifically with an FHA 203(k) renovation first mortgage (covering homes needing minor repairs, historically up to roughly $75,000 in rehab costs)
Type: Deferred-payment silent second mortgage paired with FHA 203(k) rehab first mortgage
First-time homebuyers only (Welcome Home); minimum credit score 620 (counseling required if 659 or below); must use FHA 203(k) first mortgage; same Welcome Home income and purchase price limits as First State/Take5