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Homeownership Program

Our Homeownership Program is designed to prepare, educate, and assist . individuals in their journey to becoming Habitat homeowners in New Castle County.

 
 
 
 

What properties are currently available?

New Construction:

  • 9 Revis Ave, New Castle – ranch home
  • Amala Way II, Wilmington – 1 townhouse; 2 bedroom, 1.5 bath
  • 900 Bennett (Bennett Point), Wilmington – 4 townhouses; 2-4 bedrooms, 1-1.5 bathroom

what you need to know
before you apply!

There are three essential components of becoming a Habitat homeowner.

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 below.

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

Application Process

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

Scroll down to view how being a part of the Habitat family has changed and improved the quality of life through perseverence, confidence, commitment, and community for many of our existing homeowners.

“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
 
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

Have a friend or relative that would benefit
from being a Habitat homeowner?

 

Click here to download our flyer
and help us spread the word!

 

 
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