Do I have to be a first-time buyer for DSHA Diamond in the Rough?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is Welcome Home limits.

What credit score does DSHA Diamond in the Rough list?

The listed minimum credit score is 640.

DSHA Diamond in the Rough

DSHA Diamond in the Rough is a 0% int 2nd + reno from DSHA. Available statewide in Delaware. For first-time buyers. Income limit: Welcome Home limits.

Amount varies by program

Listed as open as of May 2026

Available statewide in Delaware.

First-time buyer	Required
Income limit	Welcome Home limits
Minimum credit score	640
Maximum DTI	45%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide DE
Property types	1-4 family (minor reno)
Occupancy	Owner-occupied primary
Eligible loan products	FHA
Sales price cap	Per county
Repayment	0% deferred
Stacking	Pairs with FHA 203(k) Limited

Source DSHA·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: DSHA · program details at the provider’s site.

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