Financial Assistance

ZeMod Delaware offers both energy efficiency incentives and down-payment assistance for those who are eligible to ensure the affordability of the homes and help mitigate the energy efficient features. Both forms of assistance will only be made available for income qualified buyers (up to 120% Area Median Income (AMI)). The ZeMod program will help you identify solar incentives which vary by utility provider.

ZeMod Energy Efficiency Incentive

ZeMod Delaware offers eligible homeowners Energy Efficient Incentive funding to buy down incremental cost of energy efficiency features.

  • Incentive amount: $16,500 per home
  • Incentive is paid directly to homebuyer at the time of closing by DESEU. Requests are made to DESEU by MHDC.

Eligibility

Income limit is up to 120% Area Median Income (AMI). Call (302) 422-8255 to see if you’re eligible for the energy efficient incentive.

New Castle County
Median Income: $87,400

Persons in Family
1 2 3 4 5 6 7 8

Extremely Low Income Limits ($)
18,350 21,000 23,600 26,200 29,420 33,740 38,060 42,380

Very Low (50%) Income Limits ($)
30,600 35,000 39,350 43,700 47,200 50,700 54,200 57,700

Low (80%) Income Limits ($)
48,950 55,950 62,950 69,900 75,500 81,100 86,700 92,300
Kent County
Median Income: $70,400

Persons in Family
1 2 3 4 5 6 7 8

Extremely Low Income Limits ($)
14,800 16,900 20,780 25,100 29,420 33,740 38,060 42,380

Very Low (50%) Income Limits ($)
24,650 28,200 31,700 35,200 38,050 40,850 43,650 46,500

Low (80%) Income Limits ($)
39,450 45,050 50,700 56,300 60,850 65,350 69,850 74,350
Sussex County
Median Income: $68,700

Persons in Family
1 2 3 4 5 6 7 8

Extremely Low Income Limits ($)
14,450 16,500 20,780 25,100 29,420 33,740 38,060 42,380

Very Low (50%) Income Limits ($)
24,050 27,500 30,950 34,350 37,100 39,850 42,600 45,350

Low (80%) Income Limits ($)
38,500 44,000 49,500 54,950 59,350 63,750 68,150 72,550

Down-Payment Assistance

Down-payment assistance will take the form of a soft second mortgage. The loan will be at 0% and will not be due until the future sale or transfer of the property. The amount of assistance will vary per household due to unit cost and income of the buyer. Homebuyers will not be required to make monthly payments on this loan and interest will not be charged. No principle will be due while homeowners are occupying the unit. The loan will be returned to the revolving loan fund when the home is sold.

  • Up to $25,000 towards cost of ZeMod home
  • Can be used to cover down-payment
  • 0% interest
  • No monthly payments – loan is repaid upon sale, refinance, or transfer of home
  • Loan is administered by MHDC

Eligibility

  • Income limit is 120% of area median income.
  • Credit history and debt obligations are considered
  • Applicants must complete housing counseling from a HUD-certified housing counseling agency. Please contact MHDC to find your nearest provider.

Renewable Energy Incentives

The Green Energy Program provides grant incentives for those who qualify for qualifying renewable energy systems installed in Delaware. In order to participate in the Green Energy Program, your electricity provider must collect funds for the program and currently offer a grant program for renewable energy projects. For more information, click here. Call (302) 422-8255 to see if you’re eligible for the renewable energy incentive.