Delaware First Time Home Buyers 2026 | How to Buy with Little Money Down (Step-by-Step)

Delaware First Time Home Buyers Guide 2026 🏡 If you’re thinking about buying your first home in Delaware, this video walks you through everything you need to know — from loan options to down payment assistance and how to get started step-by-step. I’m John Thomas, NMLS #38783, a Delaware mortgage lender, and I’ll help you understand your options so you can move forward with confidence. 📞 Call or Text: 302-703-0727 📅 Schedule a Consultation: https://schedule.johnthomasteam.com/3... 🌐 Full Guide: https://delawaremortgageloans.net/del... --- 🏠 WHAT YOU’LL LEARN IN THIS VIDEO • How first-time home buyer programs work in Delaware • The 4 main loan options (FHA, VA, USDA, Conventional) • How much down payment you may actually need • Delaware down payment assistance options (DSHA + local programs) • How to reduce your cash to close • What to do before you start house hunting --- 📌 MORTGAGE LOAN PROGRAMS EXPLAINED We break down the four main loan options for Delaware buyers: • VA Loans (0% down for eligible veterans) • USDA Loans (0% down in eligible areas) • FHA Loans (as low as 3.5% down) • Conventional Loans (as low as 3% down in some cases) Each option has different credit, income, and property requirements — we walk through how to choose the right one. --- 💰 DELAWARE DOWN PAYMENT ASSISTANCE We also review assistance programs available in: • New Castle County • Kent County • Sussex County Including DSHA programs and other local options that may help reduce your upfront costs. 👉 Learn more here: https://delawaremortgageloans.net/del... --- 🔧 BUYING A HOME THAT NEEDS WORK? We also cover renovation loan options: • FHA 203(k) Rehab Loan • Conventional HomeStyle Renovation Loan These programs allow you to purchase and renovate a home with one loan. --- ⚠️ IMPORTANT NOTE Some older programs referenced in past materials (including certain grants and tax credit programs) may no longer be available. We always review the most current options based on your situation. 📍 SERVING ALL OF DELAWARE We help first-time home buyers in: Newark, Wilmington, Dover, Middletown, Lewes, and throughout New Castle County, Kent County, and Sussex County. 📘 FREE FIRST-TIME HOME BUYER SEMINARS Register here: http://www.DelawareHomeBuyerSeminar.com 👤 ABOUT JOHN THOMAS John Thomas is a Delaware mortgage lender and first-time home buyer specialist helping buyers understand FHA, VA, USDA, conventional loans, and down payment assistance programs. NMLS #38783 Primary Residential Mortgage, Inc. 0:00 Introduction – Delaware First-Time Home Buyers 0:28 Choosing the Right Loan Program 0:43 VA Loan (Veterans) 1:24 USDA Loan (0% Down + Eligibility) 2:05 Geographic Eligibility in Delaware 2:50 FHA vs Conventional Loans 3:16 Down Payment Assistance Overview 3:25 New Castle County Programs 4:01 Additional Assistance Programs 4:49 Kent County Programs 5:05 Sussex County Programs 5:16 Renovation Loan Options (203k & HomeStyle) 6:18 Mortgage Credit Certificate (Tax Credit Overview) 6:45 Seller Paid Closing Costs Strategy 7:16 Final Tips for First-Time Buyers 7:23 How to Get Help / Contact Info ⚖️ DISCLAIMER This video is for educational purposes only and is not a commitment to lend. All loans are subject to credit approval, program guidelines, and eligibility requirements. Terms and programs may change. #DelawareFirstTimeHomeBuyers #DelawareMortgage #DelawareHomeLoans #DownPaymentAssistance #FirstTimeHomeBuyer #JohnThomas