Delaware First Time Home Buyer

City of Wilmington employees: Are you missing out on a $4,000 homebuyer grant? 🏡💸👇

If you work for the City of Wilmington, you need to know about the "Live Near Your Work" program. Watch this quick breakdown to see how you can get up to $4,000 to help cover your down payment and closing costs!

💡 Here is how the program works:
✅ It is Forgivable: You generally do not have to pay the $4,000 back if you live in the home as your primary residence for at least 5 years.
✅ Location Matters: The home must be a 1-unit property located strictly inside Wilmington, DE city limits.
✅ You Can Stack It: We can often combine this grant with an FHA or Conventional first mortgage to maximize your savings.

To qualify, you must have completed your City probationary period, meet current income limits, and contribute at least $1,000 of your own funds.

Navigating Delaware down payment assistance is exactly what we do. We help City employees line up the right mortgage and coordinate the grant so the funds are ready at the closing table.

📲 Ready to see if you qualify? Send us a DM or click the link in our bio to read our full 2026 guide on the Wilmington Employee Homebuyer Assistance Program!

📍 The John Thomas Team| Newark, DE 👤 John Thomas | NMLS #38783 📞 302-703-0727

LiveNearYourWork DelawareMortgages

Delaware home buyers: the DSHA Home Sweet Home Program is no longer currently funded, but that does not mean down payment assistance is off the table.

Home Sweet Home used to offer $12,000 as a 0% forgivable second mortgage. Today, buyers may still have other DSHA options available, including Keys4You, First State, Take5, and Diamond in the Rough. Learn more about DSHA Home Sweet Home at https://delawaremortgageloans.net/dsha-home-sweet-home-dpa-program/

The best program depends on your income, credit score, county, purchase price, and whether you are a first-time or repeat buyer. Learn about all the current offers from DSHA at https://delawaremortgageloans.net/dsha-loan-programs-delaware/

Have questions? Call or text John Thomas at 302-703-0727, and we’ll walk through your options step-by-step

Most people think you need $20,000+ to buy a home in Delaware.

That’s just not true.

The DSHA Welcome Home loan program can offer up to 5% down payment assistance — which, on a $300,000 home, could be around $15,000 toward your down payment and closing costs.

A lot of buyers are surprised to find out they already qualify.

If you haven’t owned a home in the last 3 years, you may be considered a first-time buyer.

And you don’t need perfect credit to get started.

The goal is to make the process simple and clear, so you know exactly what your options are.

If you’re thinking about buying a home in Delaware, I’m here to help. Learn more about the DSHA Welcome Home Program at https://delawaremortgageloans.net/dsha-welcome-home-mortgage-loan/

Send me a message or schedule a quick call — we’ll walk through everything step-by-step so you can move forward with confidence.

HomeBuyingTip