Central Delaware Habitat for Humanity Homeownership Program

What is Central Delaware Habitat for Humanity Homeownership Program?

Central Delaware Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Dover, Delaware, administered by Central Delaware Habitat for Humanity (CDHFH).

• Central Delaware Habitat for Humanity's homeownership program helps income-qualified Kent County families buy a Habitat-built home with a 0% interest, affordable mortgage. Applicants accrue sweat equity hours, complete financial literacy training and homebuyer readiness workshops, and attend a mandatory Informational Orientation. Selection is based on ability to pay, willingness to partner, and need for shelter.
• 0% interest affordable mortgage.
• Payment around 25% of gross monthly income.
• Build-your-own-home model.
• Financial education included.
• Funding comes from Habitat for Humanity (donations, ReStore proceeds, volunteer/sweat-equity construction).

Do you have to pay it back?

Central Delaware Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Central Delaware Habitat for Humanity (CDHFH).

• The assistance is recorded in First position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Central Delaware Habitat for Humanity Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Central Delaware Habitat for Humanity Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

• Income must fall within HUD income guidelines for Kent County; table published at 30%, 50%, and 60% of median (median income $91,300 in 2026). 60%-of-median examples: 1 person $37,740; 2 $43,140; 3 $48,540; 4 $53,880; 5 $58,200; 6 $62,650; 7 $66,840; 8 $71,160.
• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Central Delaware Habitat for Humanity Homeownership Program caps the purchase price as follows: Home sold at affordable price set by Habitat; payment ~25% of gross monthly income.

• Eligible property types include Single Family.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Central Delaware Habitat for Humanity Homeownership Program serves buyers purchasing in Dover, Delaware.

How do you apply?

Applications for Central Delaware Habitat for Humanity Homeownership Program go through Central Delaware Habitat for Humanity (CDHFH), which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through CDHFH financial literacy training and homebuyer readiness workshops; mandatory Informational Orientation.

2. 2

   Contact Central Delaware Habitat for Humanity (CDHFH) to reserve funds

   Funds are reserved through Eligibility form, then loan application; applications considered in cycles, and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.