Home Again Mortgage Program
Funding Amount
$75 million bond funding available
Deadline
Ongoing
Grant Type
Foundation
Deadline history & next window
- Cycle
- Rolling — applications accepted year-round
- Tracked since
- April 2026
Source: the cycle recorded on this listing. Confirm dates with the funder.
Can we apply?
Check your organization against each line. Taken from the listing; confirm with the funder's guidelines.
Geography
- Delaware resident
Other requirements
- Homebuyers who do not meet Welcome Home qualifications
- Repeat homebuyers (those who have owned a primary residence within the past 3 years)
- Must meet income limits
- Minimum credit score: 620
Overview
Administrator: Delaware State Housing Authority (DSHA)
Overview:
Competitive mortgage program for repeat homebuyers and those who do not qualify for the Welcome Home program. Offers below-market interest rates through the Smart Start Home Loan Program.
Eligibility:
- Homebuyers who do not meet Welcome Home qualifications
- Repeat homebuyers (those who have owned a primary residence within the past 3 years)
- Must meet income limits
- Minimum credit score: 620
- Delaware resident
Financing Options:
- Conventional financing
- FHA financing
- VA financing
- USDA financing
- Discounted mortgage rates (in some cases as low as 5.5%)
Combination with Down Payment Assistance:
Can be combined with DSHA down payment assistance programs:
- Home Sweet Home (zero-interest forgivable second loan of $12,000 for homes up to $285,000)
- Delaware Diamonds Home Loan (zero-interest forgivable second loan of $10,000 for qualifying professions)
- First State Home Loan (zero-interest second loan providing 3% of first mortgage)
Geographic Scope: Statewide
Funding: $75 million single-family bond (first issued by DSHA since 2013)
Additional Support:
- HUD-approved housing counseling available
- Participating lender network throughout state
How to Apply
Application Process
- Verify Eligibility:
- Confirm repeat homebuyer status or other qualification criteria
- Review income limits on DSHA website
- Verify minimum credit score of 620
- Optional Housing Counseling:
- Find HUD-approved housing counselor at: https://kissyourlandlordgoodbye.com/housing-counselors/
- Counselors available to assist if credit improvement needed
- Work with Participating Lender:
- Select from DSHA's participating lender network: https://kissyourlandlordgoodbye.com/lenders/
- Lender guides through mortgage application process
- Down Payment Assistance:
- Determine program eligibility (Home Sweet Home, Delaware Diamonds, First State Home Loan)
- Coordinate with lender
Income Limits and Specific Requirements:
Available at https://kissyourlandlordgoodbye.com/
Detailed application procedures should be obtained directly from participating lenders or DSHA.
What Delaware Rental Preservation Corporation actually gave
Source: IRS Form 990, 2020 — the most recent filing with itemized grants
- Grants in 2020
- 1
- Total given
- $129K
- Median grant
- $129K
- By dollars: Delaware 100%. Top recipient cities: Dover, DE.
Example grants
Delaware State Housing Authority · Dover, DE
Return of previous grant support
$129K
Focus Areas & Funding Uses
Fields of Work
- Affordable housing
- Housing
Categories
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Deadline
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Amount
$75 million bond funding available
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Deadline
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Listed date — confirm with the funder
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