DSHA Smart Start
DSHA Smart Start is a 0% int 2nd from DSHA. Available statewide in Delaware. First-time buyer status is not required. Income limit: Kent/Sussex limits.
Amount varies by program
Listed as open as of May 2026
Available statewide in Delaware.
| First-time buyer | Not required |
|---|---|
| Income limit | Kent/Sussex limits |
| Minimum credit score | 620 |
| Maximum DTI | 45% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide DE |
| Property types | 1-4 family, condo |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/Conv |
| Sales price cap | Per county |
| Repayment | 0% deferred |
| Stacking | No down payment required |
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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