Delaware program
Delaware route through Sussex County Community Development & Housing Department. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
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Up to $20,000 in direct homebuyer assistance for settlement costs.
Forgivable soft second mortgage
Current county materials say the assistance is secured as a soft second 0% interest prorated mortgage repayable only at the time of sale or transfer of the property. If no triggering event occurs, the Sussex County Housing Trust Fund mortgage is considered satisfied after 10 years.
Not required
Program guide
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Households earning less than 120% of AMI for Sussex County, Buyers purchasing an eligible home in Sussex County, Homebuyers who complete at least eight hours of pre-purchase counseling through a HUD-approved agency, Buyers who do not own other real property at settlement other than a current primary residence being sold
Up to $20,000 in direct homebuyer assistance for settlement costs.
Current county materials say the assistance is secured as a soft second 0% interest prorated mortgage repayable only at the time of sale or transfer of the property. If no triggering event occurs, the Sussex County Housing Trust Fund mortgage is considered satisfied after 10 years.
Contact a HUD-approved housing counseling agency to begin the process. The counselor submits the application and income verification to Sussex County Community Development and Housing on the buyer's behalf.
The official Sussex County page says round 4 funding is available, assistance is capped at $20,000, the buyer must earn less than 120% AMI, complete eight hours of HUD-approved counseling, and use the home as a primary residence. The same page says the aid is a soft second 0% mortgage repaid on sale or transfer and satisfied after 10 years if no trigger occurs.
2026-04-19
Effective date not captured.
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Comparison preview
Amount: Up to $20,000 in direct homebuyer assistance for settlement costs.
Repayment: Current county materials say the assistance is secured as a soft second 0% interest prorated mortgage repayable only at the time of sale or transfer of the property. If no triggering event occurs, the Sussex County Housing Trust Fund mortgage is considered satisfied after 10 years.
First-time buyer: Not required
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Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Delaware.
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1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
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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.
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