The calculator below is pre-filled with New Castle County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Delaware's statewide figures.
County data last updated 2026-08-20. FIPS 10003. Full source list on /methodology.
All-in cost first, always — pre-filled with New Castle County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Delaware.
How much house can I afford in Delaware? →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.
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.