Delaware program
Delaware route through Delaware State Housing Authority (DSHA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.
Use carefully
This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.
First State is detail-safe, but public copy should describe it as a companion DSHA DPA tied to eligible DSHA first-mortgage paths and should explicitly note that DSHA still has one unresolved public conflict about whether the lane is limited to Welcome Home or also appears under Open Door/Home Again.
Source note: The current DSHA homeownership and rates pages place First State under Welcome Home and Open Door, while the 2025-08-19 Program Notice table places it under Welcome Home and Home Again and later includes a narrower sentence saying DPA second loans can only be obtained under Welcome Home programs.
Decision-ready public facts
Quick answer from published facts. Use this first, then jump to Go to Delaware program hub if you need the wider state context.
Current DSHA materials describe First State Home Loan as 3% of the final first-mortgage amount as a 0% deferred second mortgage.
0% deferred second mortgage
No monthly payment; repayment is generally triggered by refinance, sale, title transfer, move-out, or the published 30-year maturity.
Varies
Program guide
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Borrowers using an eligible DSHA first-mortgage path through a participating lender, Welcome Home buyers who are usually first-time buyers, with published veteran and targeted-area exceptions, Open Door or Home Again borrowers, including repeat buyers where the current DSHA path allows them, Households meeting current DSHA income, purchase-price, counseling, and owner-occupancy rules for the paired first mortgage lane
Current DSHA materials describe First State Home Loan as a 0% second mortgage worth 3% of the final first-mortgage amount. The funds may be used for down payment and closing costs when packaged with an eligible DSHA first-mortgage path.
Current DSHA materials describe First State Home Loan as a deferred second mortgage with no monthly payment. The balance becomes due on refinance, sale, transfer of title, loss of owner-occupancy, or the published 30-year maturity.
Work with a participating DSHA lender, choose the eligible DSHA first-mortgage path, satisfy the current income, purchase-price, credit, and counseling rules for that path, and close First State Home Loan as the companion 0% deferred second mortgage.
DSHA currently markets First State Home Loan as a statewide companion DPA that provides a 0% deferred second mortgage equal to 3% of the final first-mortgage amount. Current official materials publish the repayment triggers, lender path, counseling threshold, and the paired first-mortgage limit structure, while still preserving one internal conflict about whether the lane is limited to Welcome Home or also shown under Open Door/Home Again.
2026-04-22
Current DSHA Program Notice dated 2025-08-19; Welcome Home mortgagor affidavit revised 2025-08-15; current homeownership and rates pages verified 2026-04-22
Paid preview
See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.
Example paid output for this program. The free page stays visible either way.
Comparison preview
Amount: Current DSHA materials describe First State Home Loan as 3% of the final first-mortgage amount as a 0% deferred second mortgage.
Repayment: No monthly payment; repayment is generally triggered by refinance, sale, title transfer, move-out, or the published 30-year maturity.
First-time buyer: Varies
Risk checks preview
Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Delaware.
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
4 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
Private workspace
This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.
If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.
Save and compare
Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.
Save this program for side-by-side comparison and later follow-up.
Full state board
6 tracked deeper leads sit behind the full Delaware board around this program.
Open the full Delaware boardRisk and lender prep
Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.
Open shortlistAction queue
Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.
Send a short question without leaving the page.
