Delaware Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Delaware. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7%
Avg APR
15yr Fixed
6.4%
Avg APR
Median Price
$355,000
Median home
Monthly P&I
$1,894
30yr at 80% LTV
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Top Mortgage Lenders in Delaware
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Delaware
- ✓DSHA Preferred Plus Program
- ✓DSHA Smart Start DPA
Mortgage Requirements in Delaware
- •Min 620 credit score
- •Household income limits apply for state programs
- •DTI under 45%
Delaware Housing Market Facts
Delaware has no sales tax, which helps with closing costs.
Wilmington suburbs offer commuter access to Philadelphia and Baltimore.
DSHA Smart Start provides up to 4% down payment assistance.
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