All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Delaware State Housing Authority's primary 30-year fixed-rate first mortgage for first-time homebuyers, offered at a below-market interest rate through DSHA-approved lenders; can be paired with one of several 0%-interest down payment assistance second mortgages (Smart Start, First State Home Loan, Keys4You, Take5). Subject to county-based income and purchase-price limits.
0%-interest, deferred-payment second mortgage equal to 3% of the first mortgage loan amount, used toward down payment and/or closing costs; no monthly payments required until the home is refinanced, sold, or otherwise transferred. Must be paired with a DSHA Welcome Home or Home Again first mortgage.
Reduces the realty transfer tax rate paid by a qualifying first-time homebuyer by 0.5 percentage points (typically from 1.25% to 0.75% of the buyer's customary half-share), capped at $2,000 in savings and applied only to the first $400,000 of the property's value. Administered by the Delaware Division of Revenue, not a mortgage product.
Estimated all-in monthly payment for a home price you have in mind.
Check which down payment assistance programs you likely qualify for.
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
Delaware's 4% realty transfer tax is the highest in the country: $15,943 on the state's $398,585 median home. Here's what closing in Delaware actually costs.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.