Shared-appreciation loan
Sussex County Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Sussex County
Buying a home in Georgetown, DE
1 Georgetown program, 1 county program and 16 statewide.Georgetown has 1 program of its own, 1 more across Sussex County, and 16 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Georgetown addresses
Georgetown’s own program
Anywhere in SussexAnywhere in Sussex County
1 county program1 county program a Georgetown homebuyer can also use
The Georgetown marketThe Georgetown housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Georgetown
- 55.5% single-familysingle-family
- 7.1% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 29.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
About condos. None of Georgetown’s 2 local and county programs list condos as eligible. Sussex County Habitat for Humanity Homeownership Program lists single family. Direct Homebuyer Assistance lists single-family detached, townhome, duplex, manufactured home on permanent foundation, modular and new construction.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Georgetown’s homes were built
pre-19401970s2020+
46.6%
of Georgetown 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.
$103,200
County area median income, 4 people (HUD)HUD area median income, Sussex County, 4-person household (2026)
$49,719
Georgetown median household incomeMedian household income in Georgetown (Census, 2024)
14 of the 80 programs here set their income limit as a share of Sussex County’s area median income, adjusted for household size. See the published limits for Sussex County
Free help nearbyFree help near Georgetown
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
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Across Delaware and nationwide
78 statewide & federal programs16 statewide programs, plus federal options
Georgetown questions
Does Georgetown have its own down payment program?
Yes, one: Sussex County Habitat for Humanity Homeownership Program, a shared-appreciation loan for first-time homebuyers (new construction, income limits). It is for homes inside Georgetown.
Can I use assistance on a condo in Georgetown?
None of Georgetown’s 2 local and county programs list condos as eligible. Sussex County Habitat for Humanity Homeownership Program lists single family. Direct Homebuyer Assistance lists single-family detached, townhome, duplex, manufactured home on permanent foundation, modular and new construction. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Sussex County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Sussex County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Georgetown?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Georgetown. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
19947
Nearby in Sussex
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.