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Delaware Emergency Mortgage Assistance Program (DEMAP) | Delaware State Housing Authority

State AgencyDelaware State Housing Authority
Program NameDelaware Emergency Mortgage Assistance Program (DEMAP)
Program Description

A previously existing program, which provides homeowners of single- and two-family residences, including condominiums and manufactured housing (if affixed to a permanent foundation and deeded with the land) assistance in preventing mortgage foreclosure. In August 2020, the Governor extended the eligibility criteria to provide direct assistance to homeowners adversely impacted by COVID-19.

Program StatusAccepting Applicants
Start Date03/01/2020
Eligibility Criteria

• Household income during the qualifying event must be at or below 80 percent of AMI.
•Must have had a job lay off, furlough, unpaid leave, and reduced work hours, including for those who are self-employed, those who have had a COVID-19 medical-related illness, or family care related to COVID-19, which resulted in job loss or reduced hours of work.
• Must be the property owner of record, and their property must be the mortgagor’s primary residence,
• Must have been current on mortgage prior to April 1, 2020.

Eligible Activities
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
  • Late fees
  • Legal Fees (court or attorney fees)
Direct Recipient of Assistance
  • Mortgage Servicer
Administration StructureThis program is administered through a participating agency serving the city or town where the household is located or moving.
Maximum Length of Assistance

Subject to available funding

Maximum Assistance Available Per Household

Up to $5,000 per household

Household Contribution RequirementsNone
Total Applications as of Date107
Total Household Recipients of Assistance as of Date82
Funding Source
  • Coronavirus Relief Funds (CARES Act)
  • Agency Resources
Total Funding Amount of Program$20,000,000.00
Remaining Funds as of Date$19,590,000.00
Date of Entry or Changes10/05/2020

The program listings on this page are provided as a free service to policy makers, state agencies, and the public at large. The information above is based solely on information provided to NCSHA by its state Housing Finance Agency and associate members and is provided “as is” without warranty of any kind. NCSHA is not responsible for inaccurate or out-of-date information and does not accept responsibility or liability for the accuracy, content, completeness, or reliability of the information contained herein. NCSHA will continue to update this page as it becomes aware of new programs or changes to information above.