Smart Start Home Loan

Smart Start Home Loan是面向Statewide县，Delaware购房者的第一抵押贷款，由Delaware State Housing Authority (DSHA)管理。 Smart Start Home Loan is a new DSHA product launched April 2026 under the rebranded Delaware Mortgage Program. It is a 30-year fixed-rate first mortgage at competitive (often at/below market) rates with NO down payment and closing cost assistance second mortgage. It is available under both the Welcome Home (first-time buyer) and Open Door (first-time and repeat buyer) tracks for buyers who do not need or want DPA. Competitive below-market fixed interest rate. Works with conventional, FHA, VA, and USDA loans. Available statewide. First-time and repeat buyers eligible via Open Door track. 资金来自DSHA single-family mortgage revenue bond program。

Smart Start Home Loan是第一抵押贷款，按Delaware State Housing Authority (DSHA)设定的条款偿还。 该援助以First顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Smart Start Home Loan面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Minimum credit score of 620; applicants with scores of 659 or below must participate in housing counseling。 居住要求：Home must be purchased in Delaware。 New product introduced in the April 16, 2026 DSHA 'Delaware Mortgage Program' rebrand. Smart Start is the no-assistance first mortgage; it does NOT itself include DPA. DTI and minimum borrower contribution not published on the public program page (confirm with lender/term sheet).

Smart Start Home Loan的收入限制如下：Income limits vary by track, county, and household size. Welcome Home: New Castle $119,400 (1-2 person)/$137,310 (3+); Kent & Sussex $108,800 (1-2)/$125,120 (3+). Open Door: New Castle $143,280 (1-2)/$179,100 (3+); Kent & Sussex $130,560 (1-2)/$163,200 (3+). Higher limits in targeted areas. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Smart Start Home Loan的房价上限如下：Single-family purchase price limits: New Castle $617,241; Kent & Sussex $544,232 (targeted areas higher: New Castle $754,406; Kent & Sussex $665,173). 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Smart Start Home Loan服务于在Statewide县，Delaware购房的购房者。 该项目针对特定区域：Targeted Census Tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11. Purchasing in a targeted area may allow higher income/sales price limits.

Smart Start Home Loan的申请通过Delaware State Housing Authority (DSHA)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Through DSHA participating/preferred lenders预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。