The dense population of Delaware might scare you. The congestion can be overwhelming, especially if you are not used to it. The But should know that underrated state has one of the greatest housing markets in the U.S. if you love fun, then you probably love places with beach towns everywhere. Living in Delaware is also not expensive. You can have access to the assistance you need to make repairs and home improvements to enhance your safety. Keep reading.
Statewide Emergency Repair Program (SERP)
SERP provides low-income single moms, seniors, veterans, and the disabled homeowners with emergency home repairs. The program is administered at the state level by Milford Housing Development Corporation. The program is committed to helping families to deal with health and safety threats from their homes. You can reach out to the corporation by contacting them at (844) 413-038. Read more at http://milfordhousing.com/.
Community Development Block Grants (CDBG)
CDBG provides financing to projects that provide rehabilitation services to homeowners. The grants also help with the demolition of buildings, water and sewerage systems. The program is available for low and moderate-income families in Kent and Sussex Counties. Milford Housing Development Corporation administers this program. Contact your county at http://www.destatehousing.com/HomeOwnership/contact_kent_sussex.html to apply for the program support.
Habitat for Humanity
Habitat for Humanity is an organization dedicated to helping families with their housing and home repair needs. The goal is to make your home safe and sanitary. To receive grants, you must be placed on a waiting list. You can, however, get the support you need for emergency home repair projects. Find out more at https://www.habitat.org/us-pa/eagleville/montgomery-delaware-counties-hfh.
Delaware Weatherization program provides help to low-income disabled, single moms, veterans, and the senior homeowners in need of home repair assistance to improve energy efficiency. The program assistance covers insulation and heating system upgrades. Assistance is based on the availability of funds. Meet the low-income limits in your area to qualify for the program support. Visit http://www.dnrec.delaware.gov/energy/services/otherservices/Pages/WAP-HomeF.aspx for more information.
USDA Loans and Grants
USDA loans and grants are available for families living in rural areas and senior homeowners aged 62 and above. The loans are designed to help low-income families repair, improve, or modernize their homes. grants, on the other hand, are given to senior homeowners to help them deal with safety and health threats in their homes. the program provides up to $20,000 for loans and $7,500 for grants. You have up to 20 years to repay the loan. The senior homeowners do not repay grants, unless they resell, refinance, or transfer the ownership of the property to someone else. Provide proof of homeownership and occupation at the time of application. Meet the current low-income limits and demonstrate an inability to acquire credit elsewhere. You must also use the property as your primary residence. Visit https://www.rd.usda.gov/de for more information.
Delaware Housing Authority
Delaware Housing Authority provides help to families in need of home repair support. It has a loan program that ensures funding is available for homeowners to meet their home repair needs. Note that the program is different from grant support services because you have to repay the funds. Some families may, however, qualify for a deferred payment loan through the Delaware Housing Authority. You can visit http://destatehousing.com/HomeOwnership/HomeOwnership.php for more details.
Community Development Division of New Castle County
The Community Development Division of New Castle provides home repair assistance to low- and moderate-income in New Castle. You can get a HOME partnership loan Community Development Block Grants to help you make home repairs. You may also have access to property tax reliefs through this division as part of your home repair support program. Read more at https://www.nccde.org/1268/Down-Payment-Settlement-Assistance-Progr.
Home Repair Loan Program
This program is administered by the Department of Real Estate and Housing and is designed to help homeowners living in Wilmington City. The department is committed to working with homeowners to help them improve their living conditions through the Home Repair Loan Program. You must meet the current moderate and low-income limits in your area. You must have been the property owner for at least 12 months. You must be in good standing with the city’s property taxes, water, and sewer bills. The home repair loan funds cover plumbing, roofing, heating, electrical, installing handicapped facilities, and any 0other home repair emergencies. The amount of funds you will receive depends on the cost of rehabilitation work. visit https://www.wilmingtonde.gov/home/showpublisheddocument/320/637496085428730000 to apply. You will have to undergo a financial interview once your application is processed. The following documents are required for the interview:
- Homeowner or fire insurance cover.
- Property tax bill.
- Proof of your current income.
- Current water, electric, water, telephone, and gas bills.
- The property title deed.
- Most recent 1040 tax form.
- Documents proving that you’re unemployed or you receive pension benefits.
For more details, please visit https://www.wilmingtonde.gov/government/city-departments/real-estate-and-housing/home-repair-loan-program.
Delaware State Housing Assistance Program
This program provides home repair assistance to low-income homeowners. The program aims to help solve problems that threaten the safety and security of low-income single mothers, disabled, veterans, and the senior homeowners. You must meet the income and program guidelines to qualify for home repair assistance. Visit http://destatehousing.com/HomeOwnership/HomeOwnership.php to learn more about the program.