Manufactured Housing Assistance Program (MHAP)


Commonly referred to as MHAP, this statewide program provides owners of manufactured homes in Delaware with assistance in preventing eviction or repossession of 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 MHAP 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:

County

Maximum Household Income

New Castle

$91,080

Kent & Sussex

$84,065

Income limits as of 1/2013 and are subject to change annually

  1. Be 90 days or more delinquent on the home loan and or lot rent 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 manufactured homes titled with the State of Delaware's Division of Motor Vehicles on owned or rented land.
  • Property must be located in Delaware.
  • Commercial, second homes, rental, or any other forms of business property are not eligible.

Loan Terms

  • No interest will be charged for this loan.
  • The maximum loan amount is $10,000.
  • Terms: The program will pay the delinquent loan and/or lot rent amount and a portion of the ongoing monthly payments not to exceed 12 months or $10,000 (whichever is less) for qualified applicants.
  • Will be recurred by a lien recorded on the property.
  • Borrowers are required to contribute a portion of their monthly housing payment each month based on a percentage of their gross monthly income.
  • 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.
  • 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.
  • 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 payment assistance.
  • 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 payment assistance.

MHAP 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

County

New Castle

Kent

Sussex

CCCS of MD & DE, Inc.

866.731.8486

866.731.8486

866.731.8486

CLARIFI Inc.

800.989.2227

Delaware Community Reinvestment Action Council

302.298.3253

 

 

First State Community Action Agency

302.498.0454

302.674.1355

302.856.7761

Hockessin Community Center

302.239.2363

 

 

Housing Opportunities of Northern Delaware, Inc.

302.429.0794

 

 

Interfaith Community Housing

302.652.3991

302.741.0142

 

NCALL Research

302.283.7505

302.678.9400

302.855.1370

Neighborhood House, Inc.

302.652.3928

302.378.7217

 

YWCA Centers for Homeownership Education

302.224.4060

 

 



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