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Frederick County Homebuyer Assistance Program
First Time Home Buyer
Frederick County
Down Payment Assistance
Homebuyer Assistance Program The Frederick County Homebuyer Assistance Program (HAP) administered by the Frederick County Department of Housing and Community Development (DHCD) helps local families with limited resources obtain their first home, by providing up to $7,000 in closing cost assistance.  The HAP Program is used in conjunction with state or federal first mortgage programs […]

Homebuyer Assistance Program

The Frederick County Homebuyer Assistance Program (HAP) administered by the Frederick County Department of Housing and Community Development (DHCD) helps local families with limited resources obtain their first home, by providing up to $7,000 in closing cost assistance.  The HAP Program is used in conjunction with state or federal first mortgage programs (USDA, FHA, CDA or VA).  The application is submitted on behalf of the homebuyer by the first lender.

The Fact Sheet has program details regarding eligibility requirements, income limits and loan amounts.  For the required homebuyer education training contact the Frederick Community Action Agency at (301) 600-1506.

Maryland Mortgage Program (MMP)


The Maryland Mortgage Program provides significant support to homebuyers through competitive rate mortgage loans; down payment assistance and Partner Match Programs, helping Marylanders overcome upfront financial barriers associated with down payment and settlement expenses.  Homebuyers that are eligible for a Maryland Mortgage Program home loan are also eligible for a down payment assistance loan of up to $5,000.  Through the Community Partners Incentive Program (CPIP) MMP will match our Homebuyer Assistance Program up to a maximum of $2,500 when the homebuyer uses the State’s Maryland Mortgage Program loan to purchase their home.

The Homeownership for Individuals with Disabilities Program is offered through the Maryland Department of Housing and Community Development (DHCD) and is available statewide.  Learn more about Maryland Mortgage Programs here.

Heather Sutton
Housing Program Coordinator – Homeownership
Email : hsutton@frederickcountymd.gov

Housing & Community Development
5340 Spectrum Drive
Suite A
Frederick, MD 21703
Ph: 301-600-6647
Fx: 301-600-3585

Hours
Monday – Friday
8 a.m. – 4 p.m.

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