We Offer A Helping Hand for Homeowners in Need.
Are you at risk of displacement due to unpaid housing-related obligations such as mortgage payments and property charges?
The Delaware Mortgage Relief Program may be able to help.
Call (888) 303-4324 to learn more.
Who is eligible for the Delaware Mortgage Relief Program?
Homeowners may be eligible for assistance through the Delaware Mortgage Relief Program if they meet the following:
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Own and occupy their home in Delaware as their primary residence.
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The homeowner/borrower must have experienced a pandemic-related financial hardship that occurred after January 21, 2020, such as lost income or increased expenses.
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Household income at or below 150% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater. Click here to find your AMI.
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Homeowner’s first mortgage is a conforming loan and meets the federal limits for the year in which the loan was originated.
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Homeowners applying for the ‘Reinstatement’ program must be at least 30 days past due on mortgage payments and/or housing-related expenses.*
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Homeowners applying for the monthly ‘Mortgage payment assistance’ program (standalone option) are NOT required to be delinquent on their mortgage. This program can also be combined with the ‘Reinstatement’ program, if the homeowner qualifies*
*Additional underwriting criteria may apply.
View Our Live Program Dashboard!
View our program status dashboard that displays real-time data.
Program categories displayed are:
- Total Mortgage Assistance Paid
- Total Mortgage Applications in Progress
- Unique Households Assisted
- and, Average Assistance Amount Awarded can be viewed.
What is Area Median Income (AMI)?
AMI is the midpoint income for a specific area. 50% of families in the area earn more than the median and 50% earn less than the median. The U.S. Department of Housing and Urban Development (HUD) sets different levels of AMI for areas across the country by household size. AMI is used to determine eligibility for affordable housing programs at the federal and local levels.
New Castle County
| 1-person | 2-person | 3-person | 4-person | 5-person | 6-person | 7-person | 8-person | |
| 150% AMI | $110,700 | $126,500 | $142,300 | $158,100 | $170,750 | $183,400 | $196,050 | $208,700 |
Kent County
| 1- person | 2-person | 3-person | 4-person | 5-person | 6-person | 7-person | 8-person | |
| 150% AMI | $90,000 | $92,650 | $104,250 | $115,800 | $125,100 | $134,350 | $143,600 | $152,900 |
Sussex County
| 1-person | 2-person | 3-person | 4-person | 5-person | 6-person | 7-person | 8-person | |
| 150% AMI | $90,000 | $100,800 | $113,400 | $126,000 | $136,100 | $146,200 | $156,250 | $166,350 |
frequently asked questions
What can the relief funds
be used for?
The funds offer a one-time payment on behalf of a qualified homeowner to pay delinquent mortgage arrears and/or to facilitate a principal curtailment, rate reduction, modification, or another resolution to right-size future mortgage payments to levels affordable to the homeowner.
In addition to avoiding imminent displacement due to but not limited to: Tax delinquency, chattel loan, or land lease delinquency; eligible utilities are water and sewer only; Homeowner’s association fee/condominium association fee delinquency; Homeowner’s Insurance delinquency
**The program currently does not cover expenses such as home repairs, and electricity.
How much assistance
can I apply for?
Each Homeowner will be eligible for up to $50,000 to be used only for the homeowner’s primary residence.