The Delaware Mortgage Relief Program is Now OPEN


The Delaware Mortgage Relief Program, administered by the Delaware State Housing Authority (DSHA) has just launched! The Delaware Mortgage Relief Program is funded through the American Rescue Plan Act and Homeowner Assistance Fund, which the U.S. Treasury Department distributed to the state of Delaware. A total of $50 million can be used by 2025 or until funds are exhausted. 

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“Our agency understands the importance of housing stability for Delaware families. With many still facing the impact of the COVID-19 pandemic, we are committed to keeping them in their homes and out of foreclosure, said Eugene Young, Jr., Director of DSHA. “This program will target individuals and families in need and those who are socially disadvantaged. We thank Delaware’s federal delegation for advocating on behalf of our residents and are proud to get these funds out the door.”

The purpose of this program is to help families struggling financially as a result of the Covid-10 pandemic. Funds up to $40,000.00 can be used to cover delinquent mortgage payments, insurance, property taxes, water and sewer utility bills, homeowner or condominium association fees, and other housing-related expenses. If approved, payments are made directly to the mortgage lender/servicer or appropriate entity. Applying is free and funds are given in the form of a grant, meaning they don;t need to be paid back.

“This program will provide a needed lifeline for thousands of working Delawareans who are homeowners, with additional assistance to help ensure they can stabilize their mortgage and remain in their homes. Many men and women who worked in sectors like hospitality and education when the pandemic began, or those who became caregivers for a child or elderly relative, dealt with personal financial challenges brought on by the COVID-19 pandemic,” said U.S. Senator Chris Coons. “I know how important it is to help bring stability to middle-class Delaware homeowners while also continuing to support renters and landlords with similar programs. I’m glad to see this relief program take effect and start helping working families across Delaware.”

There are two types of assistance currently available:

  • Fresh Start Mortgage Grant Program: provides a one-time payment on behalf of an eligible homeowner to settle past-due mortgage arrears and/or to support a principal reduction, a rate reduction, a modification, or another solution to appropriately size future mortgage payments so that they are reasonable for the homeowner (up to $30,000.00).
  • Emergency Displacement Diversion Grant: can be used to avoid imminent displacement due to, but not limited to tax delinquency, chattel loan, land lease delinquency, water and sewer utilities, HOA fee delinquency, and homeowner’s Insurance delinquency (up to $10,000.00).

Who is eligible for the Delaware Mortgage Relief Program?

There are specific requirements that must be met by both the homeowners and their property to be eligible. The applicants must be facing financial hardship as a result of the pandemic after January 21, 2020, and this includes job loss, reduction in working hours, medical expenses, decrease in wage, temporary closure, etc. Their household income must be at or below 150% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater. 

The applicants must own and occupy their home as their primary residence (secondary residences and vacation houses are not allowed) and it must be located in the State of Delaware. According to the official site, eligible properties include single-family (attached or detached) properties, condominium units, 1 to 4-unit properties, manufactured home permanently affixed to real property and taxed as real estate, and mobile homes not permanently affixed to real property.

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Review the Mortgage Relief Supporting Document Checklist before applying. For more information on the Delaware Mortgage Relief Program call (888) 303-4324 or visit the program’s official site

Chris has been in the marketing industry for well over a decade. Chris loves writing about anything related to saving money. A passion for teaching people through writing has given him a unique opportunity to use his skills in the marketing industry. In his spare time he likes spending time with his family. training his new puppy, and taking long road trips to places like Banff & Lake Louise, Alberta.
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