Delaware Emergency Mortgage Assistance Program (DEMAP)

Commonly referred to as DEMAP, this statewide program provides Delaware homeowners with assistance in preventing mortgage foreclosure on their primary residence due to a loss of 15% or more of their income from one of the following hardships:

  1. Involuntary loss of employment or reduction in hours; or
  2. Inability to work or reduction in hours able to work due to an injury or illness of themselves or for an immediate family member for whom they are the primary caregiver.

How To Apply

  1. Please view the DEMAP Brochure
  2. Contact one of the Housing Counseling Agencies listed below to schedule an appointment.

Borrower Qualifications

  1. Maximum household income for eligibility are as follows:


Maximum Household Income

New Castle


Kent & Sussex


Income limits as of 6/13/2019 and are subject to change annually

  1. Be 90 days or more delinquent on the first mortgage of their primary residence at the time of the application.
  2. Prior to hardship, Debt to Income ratios will also be considered in determining eligibility.

Property Qualifications

  • Eligible properties include single and two family residences, condominiums, and manufactured housing (if affixed to a permanent foundation and deeded with the land).
  • Property must be located in Delaware.
  • Commercial, rental, or any other forms of business property are not eligible.

Loan Terms

  1. No interest will be charged for this loan.
  2. The maximum loan amount is $30,000.
  3. Terms: The program will pay the delinquent first mortgage amount and a portion of the ongoing monthly payments not to exceed 24 months or $30,000 (whichever is less) for qualified applicants.
  4. Will be recurred by a lien recorded on the property.
  5. Borrowers are required to contribute a portion of their mortgage payment each month based on a percentage of their gross monthly income.
  6. Required payment contributions are due to DSHA on the twentieth of each month. Failure to make payments to DSHA on time will result in termination of further monthly payment assistance.
  7. The repayment of this loan is deferred until the subject property is refinanced, sold or title is transferred, or the borrower(s) no longer resides in the property.
  8. Borrower is required to immediately advise DSHA of any changes in their employment or income during the benefit period. Changes in income may result in a change to the borrower’s required monthly payment contribution amount. Borrowers who fail to notify DSHA of such changes will be considered in default and will not be eligible for any further mortgage assistance.
  9. Borrower must reside in the property during the benefit period. Borrowers who abandon the property without notifying DSHA will be in default and will not be eligible for any further mortgage assistance.

DEMAP Counseling Agencies
If you believe that you meet the requirements for this program, contact the Housing Counseling Agency of your choice.

Delaware Emergency Mortgage Assistance Program - Participating Counseling Agencies

HUD Approved Counseling Agency


New Castle



Guidewell Financial Solutions






Delaware Community Reinvestment Action Council




First State Community Action Agency




HCC, Inc.




Housing Opportunities of Northern Delaware, Inc.




Interfaith Community Housing




NCALL Research




Neighborhood House, Inc.




Telamon Corporation




YWCA Centers for Homeownership Education




Contact DSHA
Do you have questions about this program? Please contact DSHA toll-free at (888) 363-8808 or via email at