United States Department of the Treasury 

Homeowner Assistance Fund Plan 

Submitted by Delaware State Housing Authority 

HAF Grantee Plan Name 

HAFP-0262 

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United States Department of the Treasury 

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater 

Allocation Amount $5 Million or Greater 

Submission Date 5/31/2022 2:05 PM 

Total Plan Requested Amount $50,000,000.00 

Record Type State 

Application Record SLT-0022 

HAF Grantee Plan Status (external) Funded 

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Homeowner Needs and Community Engagement 

What Quantitative Data Has Informed the Participant’s Planning? 

Treasury will assess the extent to which a Participant has, in the course of its HAF planning process, relied on 

quantitative data, including from community-based organizations or organizations that serve potentially 

eligible homeowners. 

In its HAF planning process, has the Participant obtained quantitative data from mortgage servicers, private 

data providers, government entities, community-based organizations, or other sources to inform its planning 

about how to target and best serve eligible homeowners with mortgage delinquencies, defaults, foreclosures? 

Yes 

If yes, please list and, briefly describe each source of quantitative data. 

DSHA analyzed mortgage delinquency data made available through sources affiliated with 

NCSHA, the Federal Reserve Bank, and others. 

DSHA also used data contained within its statewide housing needs assessment, and data provided 

by Treasury. 

Finally, DSHA used data provided by individual mortgage servicers with whom we have existing 

relationships. 

In its HAF planning process, has the Participant obtained and reviewed quantitative data or studies regarding 

which demographic segments in its jurisdiction have historically experienced discrimination in the housing or 

housing finance market? 

Yes 

If yes, please list and, briefly describe each source of quantitative data. 

Yes, to determine base-line mortgage and homeownership data (as opposed to more current 

mortgage delinquency data) we consulted the Delaware state-wide housing needs assessment. 

While the data is not current and therefore doesn't show the impact of the COVID pandemic on 

homeowners, it does provide insight into the conditions and homeownership data at very 

granular levels across the entire state and broken down into submarket reports. The statewide 

housing needs assessment is available on our website. 

While the Statewide Needs Assessment data is outdated, our primary use for the data will be to 

establish which demographic segments within our jurisdiction have historically experienced 

discrimination in the housing or housing finance markets. These trends change slowly and 

certainly have not changed enough since the housing needs assessment was completed to require 

a revision to the marketing and outreach targeting plans. 

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In short, we believe that the data analysis performed by the DSHA will be sufficient and likely 

exceed what is needed for us to ensure that we are targeting our HAF program marketing and 

outreach efforts to areas of the state where the need is the greatest. 

In its HAF planning process, has the Participant obtained quantitative data from utility providers or entities 

charged with assessing and collecting property taxes or relied on quantitative data or studies to inform its 

planning about how to target and best serve eligible homeowners at risk of displacement due to utility 

arrearage or tax foreclosure? 

Yes 

If yes, please list and, briefly describe each source of quantitative data. 

DHSA contemplates using HAF funds to cure utility arrears in instances where the arrears will 

result in a lien against the property (for example, the City of Wilmington can file a lien against a 

property for delinquent water and sewer payments). There are other accessible and well-funded 

programs in the state of Delaware to meet utility arrears, such as DSHA’s existing WSTAP 

program, and DSHA will connect applicants seeking non-lienable utility assistance to those 

resources. As such we did not focus on utility provider quantitative data. 

DSHA anticipates curing property tax delinquencies as part of larger mortgage work-outs, as an 

effort to avoid displacement for people who have reverse mortgages or in other ways risk 

displacement due to tax delinquency. Data and assistance with outreach will be coordinated with 

local tax jurisdictions as well as the state Division of Revenue. 

In the following text box, please list any source not listed above of quantitative information, including 

sources of data on the performance of any of the Participant’s previously implemented programs, that the 

Participant used to inform its HAF planning process, briefly describe how the data informed the Participant’s 

planning. 

DSHA evaluated the performance of the Delaware Emergency Mortgage Assistance Program 

(DEMAP) that has been in operation for around ten (10) years. DEMAP was created primarily 

following the Pennsylvania “HEMAP” model and focused on solutions to mortgage default 

caused by unemployment and in response to the financial crisis of the past decade. This data was 

helpful but in a limited way as the housing market and the reasons for mortgage default are very 

different now. 

DSHA also has the benefit of being one of the last states to submit a plan to Treasury and has 

therefore been able to work with other states and gain insights into their considerations. DSHA 

was particularly interested in the program design implemented by the state of Maryland as the 

plan was one of the first approved by Treasury and because the homeownership markets are 

quite similar in many ways. 

Did the Participant communicate with mortgage servicers regarding the development of its program design? 

Yes 

Did the Participant communicate with other HAF participants regarding the development of its program 

design? 

Yes 

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How Has Community Engagement and Public Participation Informed the 

Participant’s Planning? 

Treasury will assess the extent to which a Participant’s assessment of homeowner needs has been informed 

by and reflects input from organizations and individuals representing eligible homeowners, including any 

opportunities for public participation in the development of the Participant’s plan. Treasury will pay 

particular attention to the extent of the Participant’s engagement with populations that are the subject of 

statutory targeting requirements. 

Has the Participant requested and received input on its HAF planning process from providers of housing 

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement? 

Yes 

Provider information 

If yes, please list such providers, including the providers’ address and website. Please indicate by checking 

the appropriate box below if the provider’s primary purpose is to serve low- and moderate-income 

households or to address the impacts of housing discrimination on one or more demographic groups in the 

Participant’s jurisdiction. 

Provider Name 

Provider Address 

Provider Website 

Provider 

Primarily 

Serves 

LMI 

Households 

Provider 

Addresses 

Impact of 

Housing 

Discrimination 

Delaware Federation of Housing Counselors 

NA ,NA,Delaware 19901 

http://www.defhc.org 

Legal Services Corporation of Delaware 

100 West 10th St. ,Wilmington,Delaware 19801 

http://www.lscd.com 

Delaware Department of Justice 

820 N. French St. ,Wilmington,Delaware 19801 

https://attorneygeneral.delaware.gov/fraud/cpu/... 

Has the Participant requested and received input regarding its HAF planning process from community-based 

organizations or organizations that serve potentially eligible homeowners? 

Yes 

Community Information 

If yes, please list such organizations, including the providers’ address and website if available. Please 

indicate by checking the appropriate box below if the provider’s primary purpose is to serve low- and 

moderate-income households or to address the impacts of housing discrimination on one or more 

demographic groups in the Participant’s jurisdiction. 

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Organization Name 

Organization Address 

Organization Website 

Organization 

Primarily 

Serves LMI 

Households 

Provider 

Addresses 

Impact of 

Housing 

Discrimination 

United Way of Delaware 

625 North Orange St., Wilmington, Delaware 19801 

http://www.uwde.org 

Sussex County Habitat for Humanity 

PO Box 759, Georgetown, Delaware 19947 

http://www.sussexcountyhabitat.org 

NCALL 

363 Saulsbury Rd, Dover, Delaware 19904 

http://www.ncallresearch.org 

Has the Participant consulted with localities or tribal governments (cities, counties, or rural communities) in 

its jurisdiction regarding the needs of eligible homeowners in its jurisdiction? 

Yes 

Has the Participant provided an opportunity for public input regarding its HAF Plan through public hearings 

or published materials? 

Yes 

If yes, please indicate whether a proposed or draft plan was published, please describe where details about the 

comment solicitation were posted, for how long, in what languages, and whether any efforts were made to 

make the posting accessible to persons with disabilities or individuals without reliable internet access. 

The public input process included the opportunity for written and oral comments to be made. 

The written comments were accepted via email while oral comments were accepted during 

conference calls hosted by the Authority. Notice of the public comment period was posted on our 

web site, distributed through several email lists and by certain partners to their constituencies on 

our behalf. DSHA posted to its website a full narrative of the plan. 

No public comment has been received since Delaware submitted its HAF plan on March 11, 2022. 

How Will the Participant Continue to Assess the Needs of Eligible 

Homeowners? 

Treasury anticipates that an ongoing process of assessing the needs of eligible homeowners will help address 

the needs of potentially eligible homeowners as economic conditions change over time. 

Does the Participant plan to update its assessment of community needs within the next year to determine 

whether its HAF program design should be updated to address changing needs of potentially eligible 

homeowners? 

Yes 

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What additional data would be helpful to the Participant as it seeks to assess homeowner needs over time? 

DSHA will have the ability to create detailed reporting on every step of the application process. 

For example, we will assess application completeness, reasons for denial, assistance needs, 

income, demographic information and other data points. We will also conduct efforts to ensure 

that we are reaching affected homeowners by conducting surveys of community-based 

organizations, housing counseling agencies, etc. to measure the needs of homeowners who do not 

access the application system. 

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Program Design 

What are the Program Design Elements Through Which the Participant Will 

Deliver HAF Assistance to Eligible Homeowners? 

A program design element is a specific activity or program, which is consistent with a qualified expense 

category, under which a Participant will disburse HAF funds in accordance with the HAF Plan. Please note 

that multiple program design elements may fit under a single qualified expense category; for example, a 

mortgage assistance program that has different terms for federally backed mortgages and manufactured-home 

mortgages may constitute two separate program design elements, for which case the Participant provides a 

separate term sheet or other description for each program design element. 

HAF participants must have at least one program design element intended to reduce mortgage delinquency 

among targeted populations. Treasury encourages HAF participants to consider program design elements that 

address homeownership preservation for targeted populations in areas where there is a sustained trend of 

increasing property taxes or utility costs, including for households that do not have mortgages. 

Please identify each qualified expense category in which the Participant will offer a program design element 

by checking the boxes below. 

mortgage payment assistance 

mortgage principal reduction, including with respect to a second mortgage provided by a nonprofit 

or government entity 

payment assistance for homeowner’s utilities, including electric, gas, home energy, and water 

payment assistance for homeowner’s insurance, flood insurance, and mortgage insurance 

payment assistance for delinquent property taxes to prevent homeowner tax foreclosures 

payment assistance for down payment assistance loans provided by nonprofit or government 

entities 

financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing-related 

costs related to a period of forbearance, delinquency, or default 

facilitating mortgage interest rate reductions 

payment assistance for homeowner’s internet service, including broadband internet access service, 

as defined in 47 CFR 8.1(b) 

payment assistance for homeowner’s association fees or liens, condominium association fees, or 

common charges 

measures to prevent homeowner displacement, such as home repairs to maintain the habitability of 

a home or assistance to enable households to receive clear title to their properties 

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For each program design element that the Participant will offer, the Participant is required to upload a term 

sheet or other description, that, at a minimum, provides the following information regarding that program 

design element. Term sheets for all of Participant’s HAF programs may be uploaded together as one 

document. 

Title Upload Date 

DSHA HAF Eligibility Requirements 5/5/2022 4:48 PM 

Delaware Review Feedback DSHA RESPONSES v3 5/31/2022 12:52 PM 

Delaware Review Feedback DSHA RESPONSES DRAFT FINAL CLEAN v 2 5/5/2022 4:48 PM 

DSHA HAF Hardship Form 5/5/2022 4:49 PM 

DSHA HAF Income Eligibility Documentation_SMG 5/5/2022 4:49 PM 

HAF Program Design_FINAL_04222022 5/5/2022 4:20 PM 

A HAF participant may elect to revise its HAF Plan over time to add or subtract program design elements. 

Does the Participant anticipate adding additional program design elements to this HAF Plan within one year 

of this submission? 

No 

Treasury has provided sample term sheets to assist HAF participants in developing their HAF plans. 

Participants may use these sample term sheets, in whole or in part, as part of their submission. To the extent 

the Participant intends to structure the program differently with respect to significant program terms 

described in the Sample Term Sheets, Treasury will, in the course of its review of the HAF Plan, request a 

justification for how the alternate approach will further the objectives of the HAF, including targeting and 

prioritization requirements. In the chart below, the HAF Participant may provide a justification for significant 

deviations from the terms described in the sample term sheets upon initial submittal. (optional for initial 

submission) 

Program Design Element Deviation from sample terms Justification 

N/A N/A N/A 

Documentation of Homeowner Income 

Homeowners are eligible to receive amounts allocated to a HAF participant under the HAF only if they have 

incomes equal to or less than 150% of the area median income or 100% of the median income for the United 

States, whichever is greater. In addition, not less than 60% of amounts made available to each HAF 

participant must be used for qualified expenses that assist homeowners having incomes equal to or less than 

100% of the area median income or equal to or less than 100% of the median income for the United States, 

whichever is greater. The HAF guidance describes permissible ways for HAF participants to determine 

homeowner income. 

Under the HAF guidance, one permissible approach for determining income is for (1) the household to 

provide a written attestation as to household income and (2) the HAF participant to use a reasonable 

fact-specific proxy for household income, such as reliance on data regarding average incomes in the 

household’s geographic area. Will the Participant allow income to be determined in this way? 

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Yes 

If yes, please describe the fact-specific proxy or proxies to be used for the income determination. 

DSHA intends to accept written attestations from DE-HAF applicants to ascertain eligibility for 

the programs (100% of AMI or 150% of AMI depending on the program). DSHA does not 

anticipate allowing the use of geographic area or other criteria not linked directly to the 

homeowner’s individual determinants. In addition, while eligibility will be determined with a 

pass/fail income threshold, later in the application review process a more specific income 

verification process will be required to establish the amount of monthly mortgage obligation that 

will be affordable to the homeowner. This income verification process will need to rely on 

substantiated documentation. 

We do not have a fact-based proxy (based on certain assistance, QCT, etc.), therefore we will 

require supporting documentation. As reasonably necessary to accommodate extenuating 

circumstances, such as disabilities, practical challenges related to the pandemic, or a lack of 

technological access by homeowners, we will accept a self-attestation in place of 3rd party 

verification as part of the initial application, but will require 3rd party verification documents 

for approval. See attached DE-MRP Income Eligibility Documentation for additional details. 

Under the HAF guidance, HAF participants may provide waivers or exceptions to this documentation 

requirement as reasonably necessary to accommodate extenuating circumstances, such as disabilities, 

practical challenges related to the pandemic, or a lack of technological access by homeowners; in these cases, 

the HAF participant is still responsible for making the required determination regarding household income 

and documenting that determination. Will the Participant allow applicants to request such waivers or 

exceptions? 

Yes 

Eligible Mortgage Types 

Please indicate which of the following mortgage types are eligible to be assisted under one or more of the 

Participant’s program design elements.

 First Mortgages 

Reverse Mortgages (Home Equity Conversion Mortgages, Single-Purposes Reverse Mortgages, or 

Proprietary Reverse Mortgages) 

Contracts for Deed or Land Contract (if it is a credit transaction secured by a consensual security 

interest in a dwelling) 

Second Mortgages 

Loans Secured by Manufactured Housing (secured by real estate or dwelling) 

If the Participant excludes any of the forgoing mortgage types from one or more program design elements, 

explain the exclusion. 

Delaware does not plan to exclude any of the above mortgage types. 

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How Will the Participant Target HAF Resources Consistent with Statutory 

Requirements? 

The Participant must describe how it will target HAF resources in accordance with the HAF guidance. 

Targeting strategies are affirmative efforts to inform, encourage the participation of, and facilitate access to 

resources for targeted households, including by offering multiple intake formats, engaging with nonprofit 

organizations (e.g., housing counselors or legal services organizations) to provide additional pathways into 

the program, and providing community outreach, partnerships with housing counseling agencies or legal aid 

organizations, or other educational services that are aligned with the HAF participant’s program design, in a 

manner that is culturally and linguistically relevant to the targeted communities. 

Defining Socially Disadvantaged Individual 

Please describe the process the Participant will use to determine whether a homeowner is a “socially 

disadvantaged individual” as defined in the HAF guidance. 

Delaware will utilize Treasury’s definition and description of Social Disadvantaged Individuals. 

o Socially disadvantaged individuals are those whose ability to purchase or own a home has been 

impaired due to diminished access to credit on reasonable terms as compared to others in 

comparable economic circumstances, based on disparities in homeownership rates in the HAF 

participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from 

circumstances beyond their control. Indicators of impairment under this definition may include 3 

being a (1) member of a group that has been subjected to racial or ethnic prejudice or cultural 

bias within American society, (2) resident of a majority-minority Census tract; (3) individual 

with limited English proficiency; (4) resident of a U.S. territory, Indian reservation, or Hawaiian 

Home Land, or (5) individual who lives in a persistent-poverty county, meaning any county that 

has had 20% or more of its population living in poverty over the past 30 years as measured by 

the three most recent decennial censuses. In addition, an individual may be determined to be a 

socially disadvantaged individual in accordance with a process developed by a HAF participant 

for determining whether a homeowner is a socially disadvantaged individual in accordance with 

applicable law, which may reasonably rely on self-attestations. 

Please see responses to UST questions for additional detail on marketing and outreach plans to 

reach socially disadvantaged individuals. 

Public Communications 

Will the Participant engage in a public communications campaign to raise awareness among targeted 

populations about the availability of HAF resources, in media such as television, newspapers, online media, 

or social media? 

Yes 

If yes, please indicate whether the public communications campaign will include communications that 

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

member of a group that has been subjected to racial or ethnic prejudice or cultural bias within 

American society; 

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 resident of a majority-minority Census tract; (3) 

resident of a U.S. territory, Indian reservation, or Hawaiian Home Land 

homeowners in persistent poverty counties; 

individual with limited English proficiency 

Please indicate in which languages, in addition to English, public communications to targeted populations 

will be undertaken: 

Spanish 

Outreach 

Will the Participant engage in outreach through partnerships with organizations that focus primarily on 

serving homeowners earning incomes below 100% of area median income or socially disadvantaged 

individuals and that have the capacity to engage targeted communities in a culturally and linguistically 

relevant manner to encourage the submission of applications for HAF resources from targeted populations? 

Yes 

If yes, please indicate whether the community outreach efforts will include partnerships with organizations 

that primarily target the following populations:

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within 

American society; 

resident of a majority-minority Census tract; (3) individual with limited English proficiency; 

resident of a U.S. territory, Indian reservation, or Hawaiian Home Land;

 homeowners that reside in persistent poverty counties; 

individual with limited English proficiency. 

Housing Counseling and Legal Services 

Will the Participant facilitate access for eligible households to housing counseling or legal services? 

Yes 

If yes, please identify below the providers of housing counseling or legal services that have indicated to the 

Participant that they are willing and able to support homeowners receiving assistance under the Participant’s 

HAF programs. 

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Provider Name 

Provider Address 

Provider Website 

Provider 

Primarily 

Serves 

LMI 

Households 

Provider 

Addresses 

Impact of 

Housing 

Discrimination 

Legal Services Corporation of Delaware 

100 West 10th St., Suite 203 , Wilmington, Delaware 19801 

http://www.lscd.com 

Delaware Federation of Housing Counselors 

NA , NA, Delaware 19901 

http://www.defhc.org 

Targeting specific groups of homeowners 

Will the Participant conduct outreach specifically tailored to target potentially eligible households that:

 have mortgages or mortgage assistance contracts held or backed by the Participant? 

have mortgages backed by any of the following agencies: Federal Housing Administration; 

Department of Veterans Affairs; U.S. Department of Agriculture? 

have privately held mortgages? 

What Efforts will be Made to Address Barriers to HAF Program Participation for 

Potentially Eligible Homeowners, Including Those with Limited English 

Proficiency or Who are Disabled? 

Targeted outreach may be needed to reach homeowners who are likely to experience barriers to access, 

including persons with limited English proficiency and those with disabilities. 

Indicate all of the languages, in addition to English, in which the Participant’s HAF application and other 

program documents will be made available. 

Spanish 

Will the Participant’s HAF applications and other program documents be provided in forms that are 

accessible to persons with disabilities? 

Yes 

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Performance Goals 

Treasury will consider the goals and benchmarks the Participant proposes to use to measure the effectiveness 

of its programs, including whether those goals address the homeowner needs identified by the Participant, the 

extent to which the goals are disaggregated by key homeowner characteristics as appropriate for the 

jurisdiction, and whether they include a goal focused on reducing mortgage delinquency. 

Please describe Participant’s goals and benchmarks for each of its programs with the following program 

design elements. 

Program Design 

Element Metric of Success Goal 

Mortgage 

Reinstatement 

Number of homeowners stabilized to 

avoid foreclosure and displacement 

333 homeowners assisted with avoiding 

foreclosure and displacement 

Payment 

Assistance for 

Homeowner’s 

Insurance 

Number of homeowners avoiding 

displacement or foreclosure 

Prevent the displacement of 250 

homeowners through payment assistance 

for homeowners insurance 

Mortgage 

Principal 

Reduction 

Number of homeowners stabilized to 

avoid foreclosure and displacement 

333 homeowners assisted to avoid 

foreclosure and displacement 

Facilitate 

Mortgage Interest 

Rate Reduction 

Payment 

Assistance for 

HOA fees or liens 

Payment 

Assistance for 

Delinquent 

Property Taxes 

Payment 

Assistance for 

Homeowners 

Utilities 

334 homeowners stabilized with mortgage 

interest rate reduction 

Number of homeowners assisted to 

increase ongoing housing stability with 

mortgage interest rate reduction 

Number of homeowners avoiding 

foreclosure or displacement 

Number of homeowners avoiding 

displacement or foreclosure through 

property tax assistance 

Number of homeowners avoiding 

displacement or foreclosure with 

assistance with water and sewer bills 

Prevent the displacement of 250 

homeowners by assisting with delinquent 

HOA fees or liens 

Prevent the displacement of 250 

homeowners by providing assistance with 

delinquent property taxes 

Prevent the displacement of 250 

homeowners through payment assistance 

for homeowner water and sewer bills 

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Readiness 

Staffing, Systems and Contractors 

Treasury seeks information regarding the Participant’s organizational capacity to implement its HAF Plan. 

Does the Participant anticipate needing to hire additional staff to implement this HAF Plan? 

Yes 

Does the Participant anticipate significant information technology system upgrades to implement this HAF 

Plan? 

Yes 

Does the Participant have policies or procedures that govern the implementation of each HAF program 

design element described in this HAF Plan? 

No 

If no, is a policy and procedure in development for each HAF program design element described in this HAF 

Plan? 

Yes 

Will the Participant use HAF funds to assist eligible households through a program that was operational 

before the Participant first received HAF funds? 

No 

Will the Participant use any third-party contractor or partner to conduct program administration (such as 

reviewing applications, determining eligibility, processing payments, conducting reporting, and reviewing 

compliance) for some or all of the Participant’s HAF programs? 

Yes 

If yes, has the Participant entered into all necessary arrangements with all of the third-party contractors or 

partners that will conduct program administration? 

No 

Use of Initial Payment 

If the Participant has already received any HAF funds from Treasury, provide the following information 

about the use of such funds as of June 30, 2021. 

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What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners? 

$0.00 

Has the Participant begun accepting applications from homeowners for any HAF-funded programs? 

No 

How much of the HAF funds that the Participant has received been obligated? 

$0.00 

Provide a brief description of how the Participant has used the HAF funds it has received. 

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Budget 

Budgeting of HAF Funds by Program Design Element 

Specify the amounts of HAF funds that the Participant proposes to allocate to each of the following program 

design elements, if offered: 

Measure Amount 

Mortgage Payment Assistance $0.00 

Mortgage Principal Reduction $10,000,000.00 

Payment Assistance for Homeowner’s Internet Service $0.00 

Payment Assistance for HOA fees or liens $2,500,000.00 

Payment Assistance for Delinquent Property Taxes $2,500,000.00 

Mortgage Reinstatement $10,000,000.00 

Facilitate Mortgage Interest Rate Reduction $10,000,000.00 

Payment Assistance for Homeowner’s Insurance $2,500,000.00 

Payment Assistance for Down Payment Assist. Loans $0.00 

Payment Assistance for Homeowners Utilities $2,500,000.00 

Other measures to prevent homeowner displacement 

Measure Amount 

None $0.00 

Displacement Prevention Sub-Total $40,000,000.00 

Counseling or Legal Services 

The Participant may allocate up to 5% of its HAF funds for counseling or educational efforts by housing 

counseling agencies approved by the Department of Housing and Urban Development or a tribal government, 

or legal services, target to households eligible to be served with funding from the HAF related to foreclosure 

prevention or displacement. 

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Specify the Participant’s allocations for the following Amount 

Counseling or Educational Services $1,600,000.00 

Legal Services $900,000.00 

Services Sub-Total $2,500,000.00 

Reimbursement of Funds Expended After January 21, 2020 

As described in the HAF guidance, HAF funds may be used for reimbursement of certain expenses between 

January 21, 2020 and the date when the first HAF funds are disbursed by the HAF participant under the HAF 

for a qualified expense (with certain limitations, as set forth in the HAF guidance). 

Type of Expense Amount 

Non $0.00 

Reimbursement Sub-Total $0.00 

Allocation of Administrative Expenses 

Type of Expense Amount 

Vendor contract costs $5,000,000.00 

DSHA Administrative Costs $2,000,000.00 

Transaction Related Expenses $500,000.00 

Administrative Expenses Sub-Total $7,500,000.00 

Total Plan Requested Amount $50,000,000.00 

Amount Requested Confirmation: 

Yes 

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Contacts 

Please identify up to three contacts for the Participant- a primary contact, a designated point of contact for 

reporting, and an additional contact. 

Primary Contact 

Name: Cynthia Karnai 

Agency/Office: Delaware State Housing Authority 

Email: cynthia@destatehousing.com 

Phone Number: 3027394263 

Reporting Contact 

Name: Marlena Gibson 

Agency/Office: Delaware State Housing Authority 

Email: marlena@destatehousing.com 

Phone Number: 3027394263 

Additional Contact 

Name: Stephanie Griffin 

Agency/Office: Delaware State Housing Authority 

Email: stephanieg@destatehousing.com 

Phone Number: 3027394263 

Proprietary or Otherwise Non-Public Information 

Does your plan submission include any information or materials that are proprietary or otherwise non-public? 

No 

If "Yes," please indicate which information or materials are proprietary or otherwise non-public. 

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Title VI Assurances 

You must provide on behalf of the HAF Participant assurances that the HAF Participant will comply with 

Title VI of Civil Rights Act of 1964. Please download the assurances, then review, sign, and upload the 

signed copy to this page before submitting the HAF Plan. 

Title Upload Date 

6. HAF-Title VI Assurance (5-18-2021) (1) (002) 3/11/2022 1:43 PM 

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Official Certification 

I (the undersigned) certify that the information provided in the HAF submission is accurate and complete 

after reasonable inquiry of people, systems, and other information available to the HAF Participant. The HAF 

participant and I acknowledge that any materially false, fictitious, or fraudulent statement or representation 

(or concealment or omission of material fact) in this submission may be the subject of criminal prosecution 

under the False Statements Accountability Act of 1996, as amended, 18 U.S.C. § 1001 and also may subject 

me and HAF Participant to civil penalties and/or administrative remedies for false claims or otherwise, 

(including 31 U.S.C. §3729 et seq.). I am an authorized representative of HAF Participant with authority to 

make the above certifications and representations on behalf of the HAF Participant. 

Name of HAF Participant: 

Delaware State Housing Authority 

Name and Title of Certifying Official 

Name: Marlena Gibson 

Title: Director of Policy & Planning 

Telephone: 3027394263 

Email: marlena@destatehousing.com 

HAF Grantee Plan - HAFP-0262 -Delaware State Housing Authority - Extracted 06/21/2022 17:35:34 

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