Down Payment Settlement (DPS) Program
Deferred second loan · New construction · Income limits
Down payment assistance · New Castle County
Buying a home in New Castle, DE
2 county programs and 16 statewide.New Castle has no program of its own, 2 across New Castle 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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What’s local to New Castle
No program of New Castle’s own yet
No program run for New Castle alone is listed. A home in New Castle can use New Castle County’s programs below, plus the Delaware statewide and federal ones.
The closest city that runs its own program is Wilmington, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in New CastleAnywhere in New Castle County
2 county programs2 county programs a New Castle homebuyer can use
2 more programs are for homes in Wilmington. See them 2 programs in neighboring cities — for homes inside those cities, not New Castle
- Wilmington — Live Near Your Work Homebuyer Assistance Program
- Wilmington — First Start Homebuyers' Program
The New Castle marketThe New Castle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in New Castle
- 37.1% single-familysingle-family
- 30% townhousetownhouse
- 6.7% 2–4 units2–4 units
- 26.2% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of New Castle’s 2 local and county programs accept condos. Habitat for Humanity of New Castle County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When New Castle’s homes were built
pre-19401970s2020+
67%
of New Castle 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.
$122,700
County area median income, 4 people (HUD)HUD area median income, New Castle County, 4-person household (2026)
$89,205
New Castle median household incomeMedian household income in New Castle (Census, 2024)
14 of the 80 programs here set their income limit as a share of New Castle County’s area median income, adjusted for household size. See the published limits for New Castle County
Free help nearbyFree help near New Castle
8 HUD-approved counseling agencies within 15 miles8 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
New Castle questions
Does New Castle have its own down payment program?
No program run for New Castle alone is listed. A home in New Castle can use the 2 programs that cover New Castle County and the 16 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in New Castle?
1 of New Castle’s 2 local and county programs accept condos. Habitat for Humanity of New Castle County Homeownership Program lists single family. 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 New Castle County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for New Castle 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 New Castle?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of New Castle. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
19720 · 19721
Nearby in New Castle
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.