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Live Near Your Work Homebuyer Assistance Program

City of Wilmington Department of Human Resources (in coordination with the State of Delaware Live Near Your Work program) · Wilmington, Delaware

Last verified
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Assistance

$4,000

The maximum the program publishes — not an offer

Repayment

Grant

Not repaid

What is Live Near Your Work Homebuyer Assistance Program?

Live Near Your Work Homebuyer Assistance Program is a grant for homebuyers in Wilmington, Delaware, administered by City of Wilmington Department of Human Resources (in coordination with the State of Delaware Live Near Your Work program).

  • An employer-assisted homebuyer benefit through which the City of Wilmington, coordinating with the State of Delaware's Live Near Your Work (LNYW) program, provides up to $4,000 in homebuyer assistance to City of Wilmington employees who purchase a primary residence within the City's neighborhoods. Targeted to newly hired employees and first-time homebuyers, the program supports the City's residency requirement.
  • Up to $4,000 toward down payment and settlement/closing costs as a grant for eligible City of Wilmington employees buying a home within city boundaries.
  • Funding comes from City of Wilmington / State of Delaware Live Near Your Work (LNYW) program.

How much assistance does it provide?

Live Near Your Work Homebuyer Assistance Program offers up to $4,000 in assistance.

  • Amounts are the program's published maximums, not an offer — City of Wilmington Department of Human Resources (in coordination with the State of Delaware Live Near Your Work program) determines any individual award.

Do you have to pay it back?

Live Near Your Work Homebuyer Assistance Program is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Live Near Your Work Homebuyer Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Program described for first-time homebuyers and newly hired employees; full prior-ownership rules not confirmed on official page
  • The home is occupied as a primary residence
  • Residency: Home must be located within the City of Wilmington boundaries; aligns with the city's one-year post-hire residency ordinance (Ord. 23-040)
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Eligibility limited to City of Wilmington employees (newly hired employees and first-time homebuyers emphasized). Coordinated with the State of Delaware Live Near Your Work program. Detailed eligibility, income limits, credit, education, lien terms, and product requirements are in the 'Live Near Your Work Homebuyer Assistance Program packet' (PDF) linked from the official City recruitment page but were not individually confirmed in this research pass - values left blank rather than guessed. Verified active on official City of Wilmington site as of June 2026.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Live Near Your Work Homebuyer Assistance Program sets its income limit as follows: Employee must meet program income requirements; specific limits not published on official recruitment page (see program packet PDF).

  • 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?

Live Near Your Work Homebuyer Assistance Program can be used for Single Family.

Is there eligibility for specific groups?

Live Near Your Work Homebuyer Assistance Program is limited to employees of City of Wilmington employees.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Live Near Your Work Homebuyer Assistance Program serves buyers purchasing in Wilmington, Delaware.

  • The program targets specific areas: City of Wilmington neighborhoods within municipal boundaries.

How do you apply?

Applications for Live Near Your Work Homebuyer Assistance Program go through City of Wilmington Department of Human Resources (in coordination with the State of Delaware Live Near Your Work program), which publishes the current terms and the application steps on its own site.

  1. Contact City of Wilmington Department of Human Resources (in coordination with the State of Delaware Live Near Your Work program) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. 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.

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