Delaware USDA Loans Information

My state-specific information

Eligibility Requirements – Delaware

The average household income limits for a USDA home loan in the state of Delaware are around $119,850 and can be as high as $181,250 for a household of 5 or more people. There is a link below to search the USDA home loan income limits per counties for the state of Delaware.

The map below shows the USDA loan eligible areas for the entire state of Delaware. As you can see the majority of the southern part of the state qualifies for USDA financing. Go to the USDA property eligibility screen for more specific information. If you’re purchasing in the Wilmington metro area, income limits are higher than the rest of the state. Complete a quick USDA prequalification and we’ll confirm your exact eligibility.

Delaware USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Delaware follow the standard USDA income limit. New Castle County (Philadelphia MSA) has a higher limit.

Area 1–4 Person 5+ Person
Standard Delaware Limit
(Dover MSA & Sussex County)		 $119,850 $158,250
Philadelphia–Camden–Wilmington, PA-NJ-DE-MD MSA
(New Castle County, DE)		 $137,300 $181,250

USDA income limits in Delaware are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may qualify for a USDA loan with 100% financing (no down payment required).

Check Your Delaware USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Delaware. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

  • NO down payment – Finance 100% of your home
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Delaware USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Delaware