Mortgage lender in Sussex County, DE

Buying in Sussex County

Sussex County, with its county seat in Georgetown, takes in Lewes, Rehoboth Beach, Millsboro, Seaford, Bethany Beach, Georgetown and Milton. Sussex County files are handled personally by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Delaware, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

attorney

State housing agency

Delaware State Housing Authority (DSHA) (not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Sussex County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Sussex County. Loans above it are jumbo, which means tighter reserves and different pricing.

Sussex County: the beaches and the inland towns

Sussex County has two halves. The coast, including Lewes, Rehoboth Beach, Dewey Beach, Bethany Beach and Fenwick Island, is second homes, condominiums and retirees relocating. Inland, Georgetown, the county seat, Millsboro, Milton, Seaford, Laurel and Bridgeville are year-round towns with lower prices.

Near the beaches the questions are occupancy, flood insurance and, for condominiums, whether the project is approved. Retirees often qualify on pension, Social Security or investment income, which we document differently from a paycheck. Inland, wells and septic systems are routine and many addresses fall inside the USDA eligibility map. Manufactured homes in leased-land communities are common across the county; a home on leased land generally cannot be financed with a standard mortgage, so tell us before you write an offer.

Sussex County by the numbers

Median home value

$382,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.32% of home value a year: median tax bill $1,222 on a median value of $382,600 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State 2.5% plus a local 1.5% where it is levied, typically 4% combined, split equally between buyer and seller (Delaware Code, Title 30, Chapter 54)

Largest communities

Seaford, Georgetown, Milford, Millsboro (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $382,600. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Delaware

Closings in Delaware are typically handled by an attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Delaware page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Sussex County buyers ask

Conforming limit shown is the 2026 FHFA figure for Sussex County. FHA limits and state agency caps are set by HUD and Delaware State Housing Authority (DSHA) and change periodically. Verify on the official source. Not a commitment to lend.