Pandemic-Era Federal Housing Assistance For Delawareans Nearing Conclusion

The Delaware State Housing Authority (DSHA) has been providing federal programs aimed at alleviating housing-related challenges in Delaware. As these programs near the end of their allocated funding, it’s important to understand their impact and what options remain available for residents.

One such program, the Delaware Mortgage Relief Program (DEMRP), has been a lifeline for homeowners grappling with housing-related financial burdens. DEMRP provides up to $50,000 in assistance, covering mortgage payments, property taxes, homeowners association dues, and homeowner insurance premiums. It also extends support for critical home repairs, including mold and mildew remediation, lead-based paint removal, and various repairs related to heating, cooling, electrical, and plumbing systems. Accessibility aids like hand railings, ramps, grab bars, and wider doorways are also eligible for funding under this program.

DEMRP has disbursed over $30 million to more than 12,000 Delaware residents. However, with limited federal funding remaining, homeowners are urged to apply promptly. The application portal for DEMRP can be accessed at

In addition to DEMRP, the Delaware Diamonds Home Loan and Home Sweet Home Program, which offered zero-interest forgivable second loans ranging from $12,000 to $15,000, have also been integral in helping potential homebuyers achieve homeownership. Unfortunately, both of these programs have now reached the conclusion of their funding.

However, there’s still hope for those seeking homeownership assistance. The Smart State Home Loan and First State Home Loan Program continue to provide support to potential homebuyers through subsidized revenues from DSHA. These programs are expected to remain active for the foreseeable future.

For those in need of further information or looking to explore additional homeownership programs provided by DSHA, comprehensive resources can be found at