Down Payment Settlement

  • Down payment assistance loan up to $5000 granted by New Castle County
  • Income limits based off number of people in household
  • Does not impact interest rate
  • DTI cannot exceed 50%

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  • Grant of $5000 for purchase of vacant homes
  • Home must be vacant for 90+ days and in specific census tract
  • Grant is forgivable if buyer retains home for 5 years
  • Does not impact interest rate

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Workforce Housing

  • Builders offering incentives such as lower purchase prices, lower closing costs, and free upgrades to make new construction homes affordable to middle income households 
  • Income limits based off property location

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1% Down Conventional

  • Purchase a home with 1% down
  • Home must be your Primary Residence
  • Does not impact interest rate
  • Must have a credit score of 720+

97 Conventional w/ NO MI

  • Purchase a home with as little as 3% down
  • No Mortgage Insurance on purchases in New Castle County
  • Income limit requirements to qualify

Sapphire Grant

  • Receive a lender credit up to 4.5% of purchase price to cover down payment and closing costs
  • Income limits based off location of property
  • Refinancing available after 12 payments