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Homeownership Program

We believe that everyone deserves a decent, affordable place to call home. Our Habitat homeowners partner with us to build a better home and future for themselves and their families

 
Homeownership makes a difference.

what our families are saying

%

report improved physical, emotional and social well-being

%

no longer receive government assistance

%

of children improved by one or more letter grades in school

%

of families now eat meals together

“My kids are going to grow up one day and they’re probably not going to live there forever but they'll always have a home to come back to."

marlise's story

For about 10 years, Marlise and her three children have lived in subsidized housing.  As her children continue to get older and they become more independent, creating their own space in a small apartment continues to be an issue.  After looking into a traditional mortgage and learning that she wouldn’t qualify for a home that met her family’s needs, Marlise turned towards Habitat.  In December of 2019, Habitat broke ground on Amala Way, a 12 unit project on the East Side of Wilmington, where Marlise’s new home will be.  Marlise has since received the keys to her brand new home and moved in.

read more
 
1 in 7 Delaware residents spend more than 50% of their income just on housing.

tiffany’s story

Two years ago, Tiffany and her three children were living in overcrowded conditions in her mother’s home. Not long after her mother passed away, Tiffany arrived home to find a for sale sign was on the door—the house was in foreclosure. A parent at the daycare where Tiffany worked told her about Habitat. After completing her financial coaching and 225 hours of “sweat equity” with Habitat, Tiffany became the 250th Habitat Homeowner in New Castle County “Habitat’s 0% interest mortgage made homeownership a reality for me. I am beyond blessed.”

read more
 

What properties are currently available?

Rehabs:

  • 1313 Heald Street, Wilmington, DE 19802 – 3 bedroom, 1 bath
  • 718 Bennett Street, Wilmington, DE 19802 – 3 bedroom, 1 bath

New Construction:

  • New Castle – 2 ranch homes; 3-4 bedrooms
  • Amala Way II – 2 bedroom, 1.5 bath
 
 
 

what you need to know
before you apply!

take the next step

Are you interested in the Habitat homeowership program?

Scroll down for the link to the Habitat Homeowner Application.

Applicants must meet 'HUD' Household Income Guidelines for income to qualify.

family size

one

two

three

four

five

six

seven

eight

minimum income

$22,140

$25,320

$28,470

$31,620

$34,170

$36,690

$39,210

$41,760

maximum income

$44,280

$50,640

$56,940

$63,240

$68,340

$73,380

$78,420

$83,520

There are three essential components of becoming a Habitat homeowner.

qualifications

We believe that everyone deserves a decent place to live, and that homeownership makes a difference—in communities, and families alike. Habitat for Humanity of New Castle County provides a hand-up not a hand-out to qualifying families who may not be able to qualify for traditional mortgage options. Our homeownership program is designed to prepare, educate, and assist individuals in their journey to becoming Habitat homeowners.

While all of our homeowners have different life circumstances, Habitat for Humanity of New Castle County looks at three important qualifications:

Need for housing

Willingness to partner

Ability to pay

Individuals who are interested in becoming a Habitat homeowner must meet ‘HUD’ Household Income Guidelines listed above.

Not sure you’re ready to apply for the Habitat Homeownership program? 

Take a look at some advice a few of our current homeowners wish they had received when they first applied.

Click here to see some advice from our homeowners