Delaware Home Buying Guide
Northeast Region · Judicial Foreclosure State
Key Facts at a Glance
What Makes Delaware Unique
No state sales tax
Transfer tax is split 50/50 between buyer and seller by custom
DSHA offers below-market 30-year fixed rates
First-Time Buyer Programs in Delaware
DSHA Welcome Home Program
Contact your state housing finance agency for current eligibility and rates
DSHA Preferred Plus
Contact your state housing finance agency for current eligibility and rates
Preferred Conventional Loan
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in Delaware
Attorney at Closing
Attorney Required at Closing
Delaware requires a licensed real estate attorney to oversee the closing process. Budget $500–$1,500 for attorney fees.
Local Tips for Delaware Buyers
Transfer tax appears high at 4% but buyer typically pays half.
No sales tax makes other purchases cheaper.
Negotiate transfer tax split in your purchase contract.
Estimated Annual Ownership Cost in Delaware
Based on the median home price of $315,000 with a 10% down payment and 7% mortgage rate.
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