(302) 703-0727

(302) 703-0727

City of Wilmington Home Buyer Assistance Program HAP Delaware

John Thomas November 26, 2011 Tags:


Please look into the following down payment programs that are still available in Wilmington, Delaware:

PRMI Dream Maker Down Payment Program for up to 3.5% of the purchase price

DSHA SMAL Loan Program for up to $8,000

DSHA Advantage 4 Grant Program for 4% of loan amount

City of Wilmington Home Buyer Assistance Program HAP

The City of Wilmington has a Homebuyer Assistance Program (HAP) that provides a deferred loan for up to $10,000 to qualified homebuyers to purchase homes in the City of Wilmington Delaware within the 19801, 19802, and 19805 zip codes. You can apply or get more information by calling 302-703-0727.  This is a Delaware down payment assistance program.  You can also APPLY ONLINE

Eligible properties are homes that are within the target zip codes that have been vacant for a period of at least 90 days and have not been redeveloped with NSP funds.  Applicants do not have to be first time home buyers but are required to complete 8 hours of homebuyer counseling.

Borrowers are free to use any first mortgage program but must get a fixed rate mortgage.  The household income must be equal to or below the limits for the program.  The purchase price cannot exceed HUD limits.  The property must be purchased at a 1% discount based upon appraised value.

The borrower must have a ratified sales contract in order to apply for the HAP.

Eligible Income Limitations for HAP Program for 2011-2012

Household size  Maximum Income
1 Person  $67,550
2 Person $77,200
3 Person $86,850
4 Person  $96,500
5 Person $104,200
6 Person  $111,900


  • No payments, no interest for 5 years then forgiven!
  • Can use any first mortgage program and approved lender
  • High-Income Restrictions
  • Not counted in DTI calculations


  • Must buy in 19801, 19802, or 19805 zip codes
  • Must buy vacant property
  • Must live in the property for the next 5 years as a primary residence
  • Must buy property 1% below appraised value

You can apply for the program or get more information by calling 302-703-0727 or APPLY ONLINE

John R. Thomas – NMLS 38783

Certified Mortgage Planner – Primary Residential Mortgage, Inc.

302-703-0727 DE Office / 610-906-3109 PA Office / 410-412-3319 MD Office

248 E Chestnut Hill Rd, Newark, DE 19713

About John Thomas

John Thomas and his team are long-time Delaware natives. They know the local real estate market as well as they know the loan products that help them serve it. Dedicated to helping first-time buyers; the John Thomas Team are experts on first-time buyer loan programs (FHA, VA, USDA) and conduct monthly first-time buyer seminars that have been attended by more than 3000 Delaware buyers.

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