Buying a Home in Delaware Without an Agent
Skip the buyer's agent and save $10,200 on a median Delaware home ($340,000).
A step-by-step guide for Delaware buyers who want to keep the commission.
Delaware Closing Requirements
Attorney Required at Closing
Yes — Attorney Required
Buyer Agent Required by Law
No — Agent Is Optional
Standard Inspection Period
10 Days
Potential Savings
$10,200 at median price
Attorneys must oversee real estate closings in Delaware. A buyer's agent is still not required.
Transfer Tax
Delaware transfer tax is 4% of the purchase price, split 50/50 between buyer and seller (2% each). On a $340K purchase, budget $6,800 for your share.
8 Steps to Buy Without an Agent in Delaware
Get Pre-Approved for a Mortgage
Before searching for homes, get a pre-approval letter from a lender. This tells sellers how much you can borrow and shows you're a serious buyer. Compare rates from multiple lenders — even a 0.25% rate difference on a $340,000 Delaware home saves thousands over the loan term.
Search for Homes
Use Zillow, Redfin, Realtor.com, and local MLS portals to find listings in Delaware. Set up alerts for your target criteria. You can also drive neighborhoods and look for FSBO signs — those sellers have no listing agent and may be open to direct offers.
Research Comparable Sales
Before making an offer, research what similar homes have sold for in the last 90 days. Zillow, Redfin, and Delaware county tax records provide recent sale prices to help you make a fair offer.
Schedule a Showing
Contact the seller's listing agent directly to schedule a showing. The listing agent represents the seller but is legally obligated to treat you fairly. You don't need your own agent to tour homes in Delaware.
Write and Submit Your Offer
Prepare a written offer including purchase price, contingencies (inspection, financing, appraisal), closing date, and earnest money. In Delaware, the inspection contingency window is typically 10 days — make sure it's in your offer.
Complete Inspections
You have 10 days to complete inspections in Delaware. Hire a licensed home inspector to evaluate the property. Delaware's transfer tax is one of the highest in the Mid-Atlantic — factor your 2% share ($6,800 on a $340K home) into your total cash-to-close calculation alongside down payment and lender fees.
Secure Final Mortgage Approval
Work with your lender to complete underwriting, appraisal, and final approval. Respond quickly to any document requests and avoid major purchases or new credit during this period.
Close on Your Home (Attorney Required)
Delaware requires a licensed real estate attorney at closing. The attorney prepares or reviews the deed, handles title examination, and manages the closing process. Budget $600–$1,200 for attorney fees at closing.
Resources for Delaware Buyers
Partner services to help you buy without a buyer's agent.