DSHA Owner-Occupied Rehabilitation Program

Delaware State Housing Authority

Available Home Repair

About This Program

DSHA Owner-Occupied Rehabilitation Program is available to homeowners in Wilmington, DE.

Deferred-payment loan program for major home repairs to Delaware owner-occupied homes. Loan is deferred (0% interest, no monthly payments) until sale, transfer, or refinance of the property.

Deferred loan amount based on scope of needed repairs, no payment due while you live in home

Official source site checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

In Wilmington, DE, you can combine this program with other local help to cut your cost:

Key Details

  • Deferred loan up to $30,000 for major repairs
  • 0% interest, no monthly payments
  • Income up to 80% AMI (moderate income)
  • Must be owner-occupied primary residence
  • Loan due on sale, transfer, or refinance

How to Apply

Get free help applying Visit Official Program Page Track this program

(302) 739-4263

A grant-savvy contractor in Wilmington, DE can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Wilmington early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can DSHA Owner-Occupied Rehabilitation Program provide in Wilmington, DE?

Deferred loan up to $30,000.

Who qualifies for DSHA Owner-Occupied Rehabilitation Program in Wilmington?

DSHA Owner-Occupied Rehabilitation Program is open to homeowners in Wilmington, DE.

How do I apply for DSHA Owner-Occupied Rehabilitation Program in Wilmington, DE?

Apply directly with Delaware State Housing Authority using the official program link on this page or call (302) 739-4263. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Wilmington, DE contractors

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