Central Delaware Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limit 60% of AMI
Single Family
See details Jul 2026
Down payment assistance · Delaware
Buying a home in Kent County, DE
2 county-wide programs, 1 city with their own, plus 15 statewide and 62 nationwide.Kent has 2 programs that cover the whole county and 1 city with a program of their own. On top of those, 15 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in KentAnywhere in Kent County
2 programs for every Kent address2 programs that cover every Kent address
These are run for the whole county, so a home in Dover, Smyrna or Harrington can use them.
Central Delaware Saves (Matched Savings IDA for Homeownership)
Gift funds · Income limits
Single Family
See details Aug 2026
AMI is HUD’s area median income for Kent, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Kent city with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Kent marketThe Kent housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Kent
- 65.5% single-familysingle-family
- 8.7% townhousetownhouse
- 3.3% 2–4 units2–4 units
- 11.4% 5+ unitscondo & apartment buildings (5+ units)
- 11% mobile & othermobile home & other
Condos count. 0 of the 2 county-wide programs and the one city program list condos as eligible. Central Delaware Habitat for Humanity Homeownership Program lists single family. Central Delaware Saves (Matched Savings IDA for Homeownership) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kent’s homes were built
pre-19401970s2020+
34.7%
of Kent homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$112,100
HUD area median income, 4 people (FY2026)HUD area median income, Kent County, 4-person household (FY2026)
$74,477
Median household income (ACS 2024 5-year)Median household income in Kent (Census ACS 2024 5-year)
72.5%
of occupied homes are owner-occupied (Delaware: 73%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 80 programs here set their income limit as a share of Kent County’s area median income, adjusted for household size. See the published limits for Kent County
Free help in KentFree help in Kent
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Kent County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Kent County.
15 cities and placesA to Z
All cities in Kent CountyAll 15 cities and places in Kent County
has a program of its own
Kent questions
Can I use a county program anywhere in Kent?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Dover’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Kent County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Kent programs accept condos?
0 of the 2 county-wide programs and the one city program list condos as eligible. Central Delaware Habitat for Humanity Homeownership Program lists single family. Central Delaware Saves (Matched Savings IDA for Homeownership) lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Kent?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Kent County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.