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Mortgage Programs

Are you looking to buy a home in Wicomico County? The Maryland Department of Housing and Community Development, in partnership with Wicomico County, is providing attractive financial incentives to help make buying newly-constructed homes even more affordable. Maryland Mortgage NewBuild in Wicomico County offers several ways to save money today and for years to come.

  • 0.25% interest rate reduction on a fixed-rate Maryland Mortgage loan
  • $5,000 down payment assistance through a 0% deferred loan
  • Tax credit savings through the Maryland HomeCredit
  • Wicomico County is waiving impact fees associated with newly-constructed single family homes

Maryland Mortgage NewBuild loans are provided through the Maryland Mortgage program, and come with the security that only the state’s flagship program can provide.

For information on NewBuild in Wicomico County, and to find out if you are eligible, download:
Program Flyer and Program Fact Sheet.

Maryland Mortgage Program Website


Maryland Mortgage Program – You’ve Earned It Initiative

The Maryland Mortgage Program (MMP) is offered through the Maryland Department of Housing and Community Development (DHCD). For a limited time, eligible homebuyers that that purchase a home in one of Maryland’s Sustainable Communities, and who have at least $25,000 in student debt may qualify for a 0.25% discount on the standard MMP mortgage rate. This program is primarily for first time homebuyers, but exemptions apply.

For more information visit the Department of Housing and Community Development Maryland Mortgage Program.

We are pleased to announce that as of September 21, 2016 additional funds have been made available to support the Baltimore Homeownership Incentive Program (B-HiP), including the Vacants to Value Booster Program. We are now accepting applications from buyers purchasing a home that qualifies for the Vacants to Value Booster incentive program. For more information, and to submit your application, contact Michael Guye, Director of Homeownership at 410-396-3124 or Michael.Guye@baltimorecity.gov.

Over 360 home buyers have benefited from $10,000 in down payment and closing cost assistance when buying a formerly vacant, renovated house. You could be next! Home buyers can use 203K loans to build renovations into their mortgage. Many homes are already beautifully renovated by Vacants to Value developers in growing neighborhood markets.

Please note: The eligibility guidelines for this program have been modified recently. A house is eligible for this program only if it was subject to a Vacant Building Notice for a year or more prior to its rehabilitation for sale to a home buyer. You can find more information about this change here.

View samples of houses that have been pre-qualified for this incentive here. For more information, contact Michael Guye, Director of Homeownership at 410-396-3124 or Michael.Guye@baltimorecity.gov.

Baltimore City’s Vacants to Value (V2V) Program offers several options for buyers wishing to purchase a home in the City. There are formerly vacant, fully rehabbed properties for sale, or you may wish to buy a currently vacant home and complete the renovation yourself. The rehabbed properties qualify for a $10,000 down payment incentive, and may qualify for other programs as well.

Visit the Baltimore Housing website for more details.

Is the Maryland Mortgage Program Right for Me?

Buying a home is a big deal. For Marylanders just like you, it may be the single largest purchase you make, and will impact your family’s life for years to come.

For many people, becoming a homeowner can mean stability, greater control over how you live, and the potential for building wealth and equity for your family’s future.

Read more about the benefits of Homeownership.

You may have heard about the Maryland Mortgage Program (MMP) from a friend or a neighbor, from an ad you saw on a fast-moving bus or from a flyer you picked up at an event, and now you’re wondering if this program can help you move into a home of your own.

The Maryland Mortgage Program is a home loan program that’s right for many Marylanders, is a safe and secure loan from Maryland’s Housing Finance Agency, and has several important features:


Many people across Maryland are eligible to apply for a home loan through the Maryland Mortgage.  Read more: Click Here


For more information visit the Department of Housing and Community Development Maryland Mortgage Program.

About the Design for Life (DFL) Property Tax Incentive Program

The Design for Life (DFL) Property Tax Incentive Program provides 3 tiers of property tax incentives to make homes more universally accessible:

1. Accessible Feature tax incentives are for certain features that are permanently installed to improve access to or within an owner’s principal residence (not limited to single-family homes).

2. Level I (VISITable) tax incentives are available for permanent installations to any new or existing single-family homes, townhomes and duplexes that meet Level I accessibility threshold.

3. Level II (LIVEable)  tax incentives are available for permanent installations to any new or existing single-family homes, townhomes and duplexes that meet Level II accessibility threshold.

For new home construction a school impact tax credit may be available for projects meeting Level I and Level II Accessibility standards.

Whether you are a first time homebuyer, young family, active adult, or person living with a temporary or permanent impairment, these additional design elements will enhance your home — and at the same time, meet your needs and your visitors’ needs throughout your life.

The Design for Life   Accessibility Standards for Level I (VISITable) and Level II (LIVEable) incorporate design elements such as a no-step entrance, which make it easier and safer to accommodate a person living with a temporary or permanent impairment, accommodate friends or relatives who have mobility limitations or even bring in a baby stroller or move in large furniture. Ultimately, homes that incorporate these features will help people age in place more comfortably, conveniently and cost effectively.

DESIGN FOR LIFE PROPERTY TAX CREDIT PROGRAM AT A GLANCE. DFL Permitting Information Application Process Apply Online ePlans

Bill 5-13 Property Tax Credit

Executive Regulation 3-14 Design for Life Tax Incentives

Design for Life Technical Guidelines


Homebuyer Education


Howard County Housing, in partnership with Guidewell Financial Solutions, has designed an initiative to promote successful homeownership in Howard County, Maryland. Educational workshops and one-on-one counseling will be offered on a monthly basis to households purchasing a home in Howard County, and/or participating in Howard County Housing’s (HCH) homeownership and rental programs, including, but not limited to, the Settlement Downpayment Loan Program (SDLP) and Moderate Income Housing Unit (MIHU) program. Guidewell Financial Solutions is a HUD-approved housing counseling agency and the workshop curriculum is derived from guidelines established by the National Industry Standards for Homeownership and Counseling. Individuals and families interested in purchasing a home in Howard County are invited to attend.

Interested participants can register by emailing homebuyerclass@howardcountymd.gov or calling 410-313-6328.

Please note that Howard County’s certificate for completing the counseling is not valid in Anne Arundel County, Baltimore County, Harford County or Baltimore City. If you are planning on purchasing in one of those counties, please access the Maryland Mortgage Program website at www.mmp.maryland.gov to locate the appropriate counseling agency.

More information available on the Howard County Website.

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

Monday – Friday
8 a.m. – 4 p.m.

Visit Frederick County Government

IHA’s Purchase-Repair Homeownership program participants are paying less for homeownership than they were for rent, and they are building equity immediately!

IHA’s Purchase-Repair Homeownership Program provides affordable homeownership opportunities to families and individuals that wouldn’t otherwise qualify for a traditional mortgage. Program participants receive free technical assistance from IHA through the entire homeownership process, from credit repair and budget counseling, preparation of the loan application, locating and placing an appropriate home under contract, how to repair and maintain their home, as well as on-going post-purchase counseling to eliminate any chance of foreclosure in the future. The entire community benefits by revitalizing neglected communities, reusing infrastructure and preserving existing housing. This program is currently available in Carroll, Frederick, and Washington counties in Maryland.

Features of the program include:

  • No down payment!
  • Fixed rate below market interest rate
  • Monthly payment is based on income
  • Necessary repairs are financed as part of the mortgage loan through USDA
  • USDA
Maximum Income Eligibility Guidelines
Family SizeCarrollFrederickWashington

Click here to download a pre-qualification worksheet.

Please return your completed worksheet and the signed authorization forms to:

Carol Riggles, Homeownership Coordinator
Interfaith Housing Alliance
5301 Buckeystown Pike, Suite 320
Frederick, MD 21704

FAX – (301) 662-6477

Call or email Carol if you need more information about this program. Her phone number is (301) 662-4225 ext. 1209 or visit their website.

Closing Cost Grants

Cumberland Neighborhood Housing Services, offers homebuyers a grant of up to $2,000.00 toward closing costs to encourage home purchases in the City of Cumberland.  The grant is funded in part by funds from Community Development Block Grants (CDBG).

These grants are offered on a first-come, first-serve basis and assist 50-60 homebuyers per year.  On average, the homebuyer’s closing attorney will receive the disbursement of the grant two weeks in advance of the settlement, requiring application of the grant no later than two weeks before closing.  A notice of 14 days is required to process disbursements for this program.

No lien is placed on the homebuyer’s property.  There is no repayment of this grant.

Program Requirements

Participation in Homebuyer Education and graduation from the program is required by CNHS.  The ten hours worth of Homebuyer Education may be completed over several days or several weeks.  CNHS offers courses several times per month.  Homebuyers should enroll in courses prior to or immediately following application for home purchase financing.  Applicants should immediately inform the mortgage loan processor (broker or bank) that they are obtaining a grant for closing costs.

Costs eligible for the program are those costs totaling the dollar amount reflected on the Closing Disclosure.


  • The property must be located within the corporate boundaries of the City of Cumberland, Maryland
  • The property must be a primary place of residence (owner occupied)
  • Property may not be a mobile home or a home that has wheels affixed or may be affixed to be relocated
  • Applicant must complete all information on the application form
  • Applicant must provide proof of income for all members of the household
  • Applicants/occupants claiming zero income must complete a “Zero Income Statement”
  • Any occupants of the residence age 18 or older must provide complete proof of all income
  • Applicant must provide a contract of sale
  • Applicant must provide a copy of the Closing Disclosure within one week following closing
  • Applicant must provide a current flood certification, as provided by the lender
  • Applicant must complete the Homebuyer Education Curriculum and receive a Certificate of Completion
  • Applicant must fall within established HUD Income Limits (amended annually)
  • Applicant may not utilize owner financing
  • Purchase property may not be in a flood plain (100 year or 500 year plain)

Receiving A Grant

Applications are received, reviewed for completeness and eligibility, and processed by the counselor. Funds are distributed on a first-come, first-closed basis, meaning that availability is dependent upon closing the loan as soon as possible.  Grants are not reserved or held for clients.  All application information must be received, including proof of all income and a Contract of Sale.   Funds are disbursed to the closing attorney upon receipt of the Letter of Commitment or Loan Approval, a copy of the Homebuyer Education Certificate, and submission of the name and address of attorney and the date of closing.

All applications are to be submitted to Cumberland Neighborhood Housing Services, 400 N. Mechanic Street, Cumberland, Maryland 21502.  To obtain a grant application or ask questions, please call 301-722-6958.  Because income guidelines change frequently, applications are not made available online.

Visit their website here.

Moderate Income Housing Unit (MIHU) Program

The MIHU Program is an inclusionary zoning program that requires developers of new housing in specific zoning districts to sell or rent a portion (generally 10-15%) of the dwelling units to households of moderate income. MIHUs are sold or rented at affordable prices and rents set by Howard County Housing.

Any person or family can apply to buy or rent an MIHU, provided their household income does not exceed the following maximums:

Household SizeMaximum Permitted IncomeEffective 1/1/2017

Base sale prices for MIHUs range from $228,000 for a condominium to $322,000 for a townhouse. Prices vary depending on the size and amenities of the unit. Rents range from about $1,068 to $1,620. MIHUs are interspersed throughout each development and enjoy all of the amenities of each community.

An individual wishing to purchase an MIHU must fill out an application form during one of four open enrollment periods held throughout the year — during the months of January, April, July and October.

For more information, call our MIHU Division at 410-313-6343.

To learn what happens after you submit your application read: ” Now What” ?

The application includes information about the applicant’s income, assets and household size. In addition, an applicant may qualify for one or more purchasing preferences, such as: a first-time homebuyer, living or working in Howard County, or employed by County government, the school system, or a nonprofit organization.

Once an application is received and determined complete, the applicant’s name is placed on a waiting list. As for-sale MIHUs become available, eligible applicants are notified and invited to attend a lottery drawing to select an eligible purchaser for each home. The selected purchaser must contract with the seller, obtain a mortgage commitment, and pay all downpayment and settlement costs.

Applicants interested in MIHU rentals may apply directly to a participating rental community at anytime during the year. MIHUs are rented on a first-come, first-serve basis. MIHUs are interspersed throughout each community and residents enjoy all the amenities of the community life. Rental management addresses and phone numbers can be found on the Apartments for Rent page below.

Homes for Sale updated January, 2017

MIHU Regulations

Read our most ” Frequently Asked Questions” about our MIHU program.

Questions? Call the Department of Housing and Community Development at (410) 313-6318 for additional information about housing unit types, unit sizes, purchase or rental prices and further details about how you can become eligible for affordable housing opportunities.

Howard County Housing and Community Development
6751 Columbia Gateway Dr #300
Columbia, MD, 21046

Website: Home Ownership Opportunities

The Maryland Pathway to Homeownership program gives eligible homebuyers in Garrett County incredible financial incentives that put homeownership within reach. Available through the Maryland Mortgage Program, this Garrett County initiative gives you more buying power and makes it easier for your family to establish your family in the community. 

UP TO $15,000 DOWN PAYMENT ASSISTANCE.  Learn more here…Pathway to Homeownership

For More Information about Maryland Mortgage Program, contact us today!

Community Development Administration
Maryland Department of Housing and Community Development
7800 Harkins Road, Lanham, MD 20706
Toll Free (Maryland Only): 800-638-77817

800 Harkins Road, Lanham, MD 20706

Prince George’s County Programs

  1. Family Self Sufficiency

    The Family Self Sufficiency program requires that the head of household enter a five-year contract with the Housing Authority during which time the family will receive supportive services.

  2. Housing Choice Voucher Homeownership Program

    The Housing Choice Voucher Program (HCVP), also referred to as “Section 8”, is a “tenant-based” voucher program that provides tenants the opportunity to live where they choose.

  3. Housing Choice Voucher Program

    The Housing Choice Voucher Program (HCVP), also referred to as “Section 8”, is a “tenant-based” voucher program that provides tenants the opportunity to live where they choose.

  4. Moderate Rehabilitation Program

    The Moderate Rehabilitation Program (Mod Rehab) provides project-based rental assistance for low-income families.

  5. Public Housing

    The Housing Authority owns and manages 392 units of public and assisted housing in Prince George’s County.

  6. Rental Allowance Program

    The Rental Allowance Program (RAP) provides fixed monthly rental assistance payments to eligible lower-income homeless persons and households with critical and emergency housing needs.

  7. Veterans Affairs Supportive Housing

    The HUD-Veterans Affairs Supportive Housing program combines Housing Choice Voucher rental assistance for homeless Veterans with case management and clinical services provided by the Department of Veterans Affairs.

    Eric C. Brown

    Physical Address
    9200 Basil Court
    Suite 107
    Largo, MD 20774
    Phone: 301-883-5501
    Fax: 301-883-3403

Live Baltimore – City Living Starts Here

Baltimore City offers a variety of incentive programs to homebuyers, homeowners, and renters. Each program has specific qualifications, managed by different city departments or nonprofits. If you think you qualify, contact the program administrator listed for the program you are interested in. Live Baltimore does not manage or fund any of these incentive programs, but we can help you review your options and put you in touch with the organizations that do.

Get started by clicking here…Live Baltimore



Howard Counties Settlement Down Payment Loan

PURPOSE: To assist homebuyers with financing for settlement/downpayment costs.

SCOPE: Loans are available through Howard County Housing for settlement and downpayment costs. All loans will be deferred, due upon sale of home, refinance, or default. Low interest rates at 2 points below the primary mortgage interest rate. Lenders will process all requests.

ELIGIBILITY: Applicants must meet the following:

  • Income limits: See income chart located in the information packet below – page 4 (income limits subject to change every January and July).
  • House price limit: $429,620 (CDA purchase price limit for Howard County applies).
  • First-time homebuyer for HomeStarter, HomeSteader, and DreamMaker Loans. First-time homebuyer restriction not required for Revitalization and Workforce Initiative Loans.
  • Have a minimum of $1,000 to apply towards settlement/downpayment costs plus one month PITI (mortgage payment) in savings account.
  • Lack sufficient funds to pay for the total settlement/downpayment costs.
  • Must be approved for a fixed rate primary mortgage loan.


  • Complete an application with an approved lender.
  • Once the loan is approved with your lender, the lender will reserve funds directly with HCD.
  • The lender will send all the required documents, including the application, to HCD for processing funds.
  • Funding reservations are made only by the lender once all the necessary documents, including the primary mortgage loan approval letter, have been submitted to Howard County Housing.
  • If you’re a soon-to-be homebuyer or a lender who’d like to know more, see our SDLP Information Packet.

You may also contact Linda Phillips, SDLP Administrator with the Department of Housing & Community Development at 410-313-6318, option 4, or lphillips@howardcountymd.gov.

All homebuyers participating in the Settlement/Downpayment Loan Program are required to participate in pre-purchase counseling. Certificates are issued to the homebuyer in order to settle on the home purchase.Funds are currently available and are offered on a first-come, first-serve basis. Interested homebuyers should contact a participating first mortgage lender to begin the application process.

Availability of funds is limited.


Maryland Homefront – The Veterans and Military Family Mortgage Program

The Department of Housing and Community Development is proud to launch our newest version of Maryland Homefront: The Veterans and Military Family Mortgage Program (Maryland Homefront).  Homefront provides military veterans and active duty military with a special interest rate discount of 0.25% for a 30-year and a fixed rate mortgage, This initiative is in appreciation of the contributions made by members of the United States armed services and their families.

Check today’s interest rates

All qualified borrowers under this initiative are also eligible to receive $5,000 for down payment and closing cost assistance through the Maryland Mortgage Program’s Down Payment Assistance Program plus any applicable Partner Match funds. Note that this program is not applicable to refinances.

Talk to an approved Maryland Mortgage Program Lender about possible Down Payment Assistance options available to you.

Download the Homefront Flyer and Fact Sheets

Getting Started

If you’re ready to take advantage of this special program:

  1. Talk to a Lender – Your lender can help you confirm your eligibility for the Homefront Program and will make sure you meet all the requirements, such as attending the right Homebuyer Education Class.
  2. Check Your Eligibility to see whether you can apply for a Maryland Mortgage Program loan. Note that being eligible to apply does not guarantee approval, and lenders will take into account things like your income, credit history and employment situation when considering your application.
  3. Complete a Homebuyer Education Class – Completing a Homebuyer Education prepares you to make the right decisions when purchasing your home.  Homebuyer Education classes are available throughout Maryland, and are provided by a range of Community and Non-Profit organizations as well as local government housing agencies.
  4. Learn about Down Payment Assistance – The Maryland Mortgage Program provides help in the form of Down Payment Assistance alongside a range of Partner Match programs from employers, developers and community organizations that can cover down payment and closing costs.
You must have Adobe Reader to view and print PDF documents on this page. If you do not have it, download it for free.

For more information visit the Department of Housing and Community Development Maryland Mortgage Program.

Maryland HomeCredit Program

Lower Your Federal Taxes, Every Year, For the Life of Your Loan

A Maryland HomeCredit can save a homebuyer tens of thousands of dollars over the life of a home loan, and makes owning a home more affordable. Together with a home loan through the Maryland Department of Housing and Community Development’s Maryland Mortgage Program, which offers Down Payment Assistance and the certainty of a 30-year fixed interest rate, the State of Maryland is making the dream of sustainable homeownership a reality for more Marylanders than ever.

You may already know about the mortgage interest deduction that most homeowners already claim each year on their federal taxes. The Maryland HomeCredit Program is different, and provides a federal tax credit to eligible homebuyers. A tax deduction reduces the homeowner’s “taxable income”. In contrast, a tax credit, such as the Maryland HomeCredit, provides the homeowner with a reduction in their actual federal tax liability.

The Department’s Maryland HomeCredit Program provides eligible homebuyers with a federal tax credit that may be claimed annually, the value of which is equal to 25% of the value of mortgage interest payments (up to $2,000) paid each year, for the life of the loan (i.e. until payoff, sale, refinance or transfer).

How to Get a Maryland HomeCredit

Homebuyers apply for a Maryland HomeCredit through an approved mortgage lender.  The Lender will confirm the borrowers’ eligibility for this program, and submit an application to the Maryland Department of Housing and Community Development.

Who Can Get a Maryland HomeCredit?

To get a HomeCredit, you must be purchasing a home in Maryland and meet borrowing criteria that include:

  • You must meet the same income limits and home purchase price limits as the Maryland Mortgage Program;
  • You cannot have owned a home during the past three (3) years, UNLESS you are purchasing in a Targeted Area;
  • The home  you purchase must be your primary residence.

NOTE – the Maryland HomeCredit Program is not available for refinances or existing homeowners

For More information: http://mmp.maryland.gov/Pages/MDHomeCredit.aspx

Also visit the Department of Housing and Community Development Maryland Mortgage Program.

The Allegany County Commissioners have provided a tax assessment freeze equal to that received through the City of Cumberland’s program. Applicants must have work approved by the Cumberland Historic Preservation Commission in order to be eligible. Approved City of Cumberland Historic District Tax Incentive Applications will be forwarded to the Allegany County Office of Finance for processing. There is not a separate application required.

For qualified renovations that have been approved by the Historic Preservation Commission, a 10% credit can be deducted from the property owner’s annual city property taxes. A minimum expenditure of $5,000 is required. This credit can be used for up to 5 years if the amount of credit is greater than the amount of annual taxes due.

Additionally, a city property tax assessment freeze is available for a period of up to 10 years. The length of the freeze depends upon the amount of the expenditure in relation to the pre-improvement market value of the property. In 2006, this program was expanded to include not only the Canal Place Preservation District, but also all National Register of Historic Districts within Cumberland. Maps of these districts are available on our Historic District Maps page. Application forms are also available by emailing Kathy McKenney, Cumberland’s Historic Planner at  kathy.mckenney@cumberlandmd.gov.

Additional information can be found here.

House Keys For Employees Program in Calvert County

Apartment Complex in the county
Calvert County is home to numerous safe, attractive residential communities. Residents are drawn to the county’s rural character, good schools, low taxes and low crime rates.

Encourage the availability of a variety of housing types to serve different age groups, family sizes and incomes of Calvert County citizens.

View the Comprehensive Plan.

While working to maintain the rural nature of the county, the Board of County Commissioners has also initiated a number of strategies to encourage the development of housing to meet the diverse needs of its citizens.These initiatives include:

  • Development of a housing information guide, which provides a listing of local housing resources.
  • Incorporation of new planning and zoning tools to provide additional opportunities for the construction of affordable housing within the county.
  • Partnership with the State of Maryland to provide down payment and closing cost assistance for first-time homebuyers through the House Keys 4 Employees Program.
  • Waiver of the purchase of Transfer Development Rights (TDRs), (required for increased density housing) available for qualifying affordable housing developments.

Calvert County Website

Housing Resource Links

Closing Cost and Down Payment Programs

Settlement Expense Loan Program

The Settlement Expense Loan Program (SELP) provides assistance to low and moderate income, first-time homebuyers. The County can lend up to $10,000 to income-eligible purchasers to help pay down payment and closing costs required in the purchase of an existing home within the designated Community Conservation Areas of Baltimore County.

Assistance from SELP is in the form of a deferred loan that is forgivable if the homeowner occupies the property as their principal residence during the period of affordability as required by the HOME Investment Partnerships Act regulations. The period of affordability is 15 years.

How to Apply

You must first attend a First Time Home Buyers Workshop. Call 410-887-3124 for a schedule of Workshops and their locations.

After attending the workshop, you must also make an appointment for individual financial counseling with a housing counselor. This will all be explained at the Home Buyers Workshop. You are not eligible for a SELP loan if you already have a signed contract to buy a house.

Housing Counseling Affiliates

Candidates can apply for either SELP through Baltimore County’s housing counseling affiliates:

Belair-Edison Neighborhoods, Inc (BENI) provides free homebuyer education (workshops) and counseling.
Address: 3412 Belair Road, Baltimore, Maryland 21213
Phone: 410-4858422
Fax: 410-4850728

Diversified Housing Development, Inc. (DHD) provides free homebuyer education (workshops), homebuyer counseling and foreclosure counseling.
Address: 8025 Liberty Road, Windsor Mill, Maryland 21244
Phone: 410-496-1214
Fax: 410-496-9352

Eastside Community Development Corporation, Inc. provides free homebuyers education (workshops), homebuyer counseling, financial literacy counseling and foreclosure counseling.
Address: Eastpoint Mall, 7835 Eastern Avenue, Suite 302, Baltimore, Maryland 21224
Phone: 410-284-9861
Fax: 410-284-9864

Harbel Housing Partnership provides free homebuyer education (workshops), homebuyers counseling and counseling to senior homeowners and renters.
Address: 5807 Harford Road, Baltimore, Maryland 21214
Phone: 410-444-9152
Fax: 410-444-9181

St. Ambrose Housing Aid Center provides free homebuyers education (workshops), homebuyer counseling, financial literacy counseling, foreclosure counseling and legal assistance to low income and senior residents of Baltimore County.
Address: 321 East 25th Street, Baltimore, Maryland 21218
Phone: 410-366-8550
Fax: 410-366-8795

The Maryland Mortgage Program (MMP) provides assistance through its Down payment and Settlement Expense Loan Program (DSELP) provided the applicant has been approved for a Community Development Administration (CDA) loan.
Phone: 800-638-7781
Email: SingleFamilyHousing@dhcd.state.md.us

Staff Contact

Marcia Williams
Phone: 410-887-6055
Email: mdwilliams@baltimorecountymd.gov

Visit The Baltimore County Department of Planning website.

Revised January 30, 2017

Employees of City agencies and quasi-City agencies* with six months of experience are eligible for $5,000 when purchasing their first home in Baltimore City. Houses up to $417,000 in cost are eligible and no income limits apply. Police officers, firefighters and teachers are also eligible for purchasing HUD homes at discounted prices through the Good Neighbors program.

You can download an application for the Baltimore City Employee Homeownership Program here. For more information about this program, contact Marva Allette at 410-396-3124 or Marva.Allettte@baltimorecity.gov.

*Quasi-City Agencies currently include the following: Baltimore Area Convention and Visitors Association, Baltimore Convention Center, Baltimore Development Corporation, Baltimore Housing, Baltimore Main Streets, The Baltimore Museum of Art, Baltimore Office of Promotion and the Arts, Baltimore Rising, Downtown Partnership of Baltimore, Emerging Technology Center, Empower Baltimore Management Corporation, Enoch Pratt Free Library, Mayor’s Office of Employment Development, Mayor’s Office of Minority and Women-Owned Business Development, Parking Authority of Baltimore City, Small Business Resource Center, Visit Baltimore, Walters Art Museum, Waterfront Partnership of Baltimore.

Single Family Housing Repair Loans & Grants

Fact Sheet

Program Status: Open

What does this program do? 
Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

Who may apply for this program?
To qualify, you must:

  • Be the homeowner and occupy the house
  • Be unable to obtain affordable credit elsewhere
  • Have a family income below 50 percent of the area median income 
  • For grants, be age 62 or older and not be able to repay a repair loan

What is an eligible area?
Applicants may check the address of their home to determine eligibility.

How may funds be used?

  • Loans may be used to repair, improve or modernize homes or remove health and safety hazards
  • Grants must be used to remove health and safety hazards

How much money can I get?

  • Maximum loan is $20,000
  • Maximum grant is $7,500
  • Loans and grants can be combined for up to $27,500 in assistance

What are the terms of the loan or grant?

  • Loans can be repaid over 20 years
  • Loan interest rate is fixed at 1%
  • Full title service is required for loans of $7,500 or more
  • Grants have a lifetime limit of $7,500
  • Grants must be repaid if the property is sold in less than 3 years
  • If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination

Is there a deadline to apply? 

  • Home loans are available year round as long as funding is available
  • Home loan applications are processed in the order they are received

How long does an application take? 
Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application

Who can answer questions and how do I get started?
Contact a USDA home loan specialist in your area

What governs this program?

  • The Housing Act of 1949 as amended, 7 CFR Part 3550
  • HB-1-3550 – Direct Single Family Housing Loans and Grants Field Office Handbook

Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled “What Governs this Program?” Applicants may also contact your local office for assistance.

ited State Department of Agriculture offers housing repair loans, also known as the Section 504 Home Repair program, to provide loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards in certain areas of Maryland.

To Qualify You Must

  • Be the homeowner and occupy the house.
  • Be unable to obtain affordable credit elsewhere.
  • Have a family income below 50 percent of the area median income.
  • For grants, be age 62 or older and not be able to repay a repair loan.
  • Live in an eligible area.

For more information visit United States Department of Agriculture Rural Development.

MPDU Down Payment Assistance Program

Queen Anne’s County Department of Community Services, Housing and Community Services is pleased to announce the Moderately Priced Dwelling Unit (MPDU) Deferred Second Mortgage Program for moderate-income homebuyers in Queen Anne’s County.

Under this program, eligible recipients can receive funding to help purchase a home. This funding comes in the form of a deferred loan that will be made to qualified applicants which doesn’t have to be paid back until the property is sold or is no longer the primary residence.


To qualify, an individual or family must complete the application process and meet all of the requirements as outlined in the MPDU Second Mortgage Financing Program Guidelines.

In addition, there are income requirements as outlined in the maximum allowable income chart.

Household SizeMaximum Allowable Income

Please review the guidelines and application documents listed below. If you have any questions, contact Candice Darling at 410-758-3977, ext. 2070.

Application Documents

Mike Clark – Executive Director of Housing & Family Services

Email: mclark@qac.com

Housing & Community Services
104 Powell Street
Centreville, MD 21617

Phone: 410-758-3977  Fax: 410-758-4499

Hours: (Except holidays): Monday – Friday 8 a.m. – 4:30 p.m.

Staff Directory


The Charles County Commissioners signed a Memorandum of Understanding with the State of Maryland’s Department of Housing and Community Development (DHCD) to participate in the “House Keys 4 Employees” (HK4E) program. This program provides down payment/settlement expense assistance to first time home buyers who wish to purchase a home in Charles County.

This program is available to all Charles County Government employees subject to the Policy and Procedures Manual for Charles County, Maryland and, who have been employed with the County at least one (1) year and who are purchasing a home in Charles County, through the Maryland Mortgage Program (MMP) with a qualified DHCD Community Development Administration (CDA) lender.

Qualified Charles County Government employees may receive a 0% interest $5,000 deferred loan from the Charles County Commissioners to be used towards down payment/settlement expenses for their new home. In addition, the State DHCD will also contribute a 0% interest, deferred $2,500 loan to bring the total amount of assistance to $7,500 for eligible employees.

For more information, look at the Charles County Employee Information Sheet or contact the Department of  Human Resources at 301-645-0563 (internal extension 2563).

First Time Home Buyers Settlement Expense Loan Program (SELP) In Charles County

Charles County Settlement Expense Loan Program (SELP) provides direct financial assistance of up to $6,000 for settlement expenses to qualified low-income and moderate-income first time home buyers in Charles County. The loan is secured by a second mortgage, repayment of which is deferred until such time as the property is resold, transferred, refinanced, or the buyer discontinues occupancy of it as a principal residence.

Rita Wood
Chief of Housing Authority


Pathway to Purchase in Prince George’s County

For a limited time, ​​eligible homebuyers in Prince George’s County can take advantage of two incredible homeownership programs to get our most affordable home loan available.

The Redevelopment Authority of Prince George’s County, through their Pathway to Purchase program, can provide up to $10,000 in down payment and closing cost assistance to be used in the purchase of eligible Prince George’s County properties. Homebuyers can combine this with the Maryland Preferred Rate Program, which offers our lowest possible interest rate on a 30-year fixed-rate loan.

Down payment and closing cost assistance through Prince George’s County’s Pathway to Purchase program is available as a 0% interest loan that must be paid back when the home is sold, transferred, or ceases to be the primary residence of the buyer(s). However, the Pathway loan amount decreases at a rate of 10% per year and after 10 years is completely forgiven and the lien is released.

Defaults on a first mortgage loan results in the remaining balance of the Pathway to Purchase loan changing to a rate of 5.75%.

Homebuyers apply separately for each program – scroll down for information on steps to take to start your applications. 

Eligible Properties

Homebuyers can purchase a home anywhere in Prince George’s County.  Eligible residential properties also include new construction, resale, short sales and foreclosures, as long as they meet other applicable program guidelines.

To learn more click on the below link.


City Living Starts Here is a $5,000 incentive to use toward buying a home anywhere in Baltimore City. You must attend a City Living Starts Here Tour to become eligible for the $5,000 incentive. Every year, there are up to four opportunities to get $5,000 toward buying your home! See when the next City Living Starts Here Tour is in the Upcoming Events section of this website.


1. The mortgage amount cannot exceed $517,000.
2. 10 individuals will be selected by lottery to receive awards, following each event, from a pool of eligible applicants.
3. Incentive applicants have 10 business days after attending the City Living Starts Here event to obtain a contract of sale on a home and submit paperwork to become eligible for the lottery drawing.
4. Incentive winners must close on their purchase within 60 days of being selected in the lottery drawing. [Closing Date < Event Date + 10 Business Days (lottery drawing) + 60 Days]
5. Contracts signed prior to the event will not be eligible for the City Living Starts Here incentive.
6. Co-signers, cash sales, or owner financing are not permitted.
7. Short sale, foreclosure transactions, and new constructions do not qualify.
8. Homebuyer must earn their Homeownership Counseling Certificate from a City-approved counseling agency before writing a sales contract.
9. The home must be the homebuyer’s primary residence.
10. Homebuyer must invest a minimum of $1,000 from personal resources.
11. Incentive may be used toward downpayment and closing costs.
12. Incentive is a five-year forgivable loan (Your balance is forgiven by 20% each year, at the end of five years you no longer have a balance).
13. This incentive may be used in addition to other incentives.
14. Incentive appears as a second lien on property until the balance is forgiven or repaid.

For More Information on Baltimore City Housing call (410) 396-3124 or visit the Website

Also, for additional information about these programs, other homeownership opportunities, Baltimore neighborhoods and city life, you can also visit Live Baltimore. Live Baltimore offers instant analysis of incentive program eligibility.

Single Family Rehab and Emergency Repair

The Single Family Rehabilitation Loan Program is designed to assist income eligible homeowners with low cost or no cost loans to correct hazardous conditions, eliminate safety hazards, repair or replace major systems, correct interior and exterior deficiencies, energy improvements, modifications for persons with disabilities and eliminate lead based paint hazards.

The Emergency Repair Program is designed to assist income eligible homeowners with a grant to repair or replace a major system which has failed or is in imminent danger of failure and which poses a hazard to the occupants’ health or safety.

The Maryland Housing Rehabilitation Program (MHRP), like the Single Family Rehabilitation Loan Program, is designed to assist income eligible homeowners with low cost or no cost loans to correct hazardous conditions, eliminate safety hazards, repair/replace major systems, correct interior and exterior deficiencies, energy improvements, modifications for persons with disabilities and eliminate lead based paint hazards. This program is funded by the Maryland Department of Housing and Community Development.

The above information is a brief summary of these programs. Detailed regulations, policies and procedures govern the programs. For additional information or to schedule an appointment to file an application, contact the Housing Rehabilitation Program staff or visit their website for more details.

Debbie Sparks
Phone: 410-887-3124

Revised April 6, 2016

Live Near Your Work Program

This partnership between participating employers and the City of Baltimore is designed to encourage homeownership near place of employment. The City of Baltimore matches participating employers’ contributions between $1,000 to $2,500. Over 80 employers are currently enrolled in the program. A listing of employers can be found in the Baltimore Homeownership Incentive Programs packet. You can also download the Live Near Your Work -Employer Application. Of special note is the Johns Hopkins Live Near Your Work Program, which now offers $36,000 and $27,000 in designated neighborhoods near the hospital and university.

For more information, contact Daibeth Saunders at 410-396-3124 or Daibeth.Saunders@baltimorecity.gov. Live Baltimore has a dedicated staff member, Elizabeth Koontz, to aid in the enrollment and promotion of the Live Near Your Program. You may contact her at LKoontz@livebaltimore.com


Purchasing a home is one of the best ways to invest in your future; however it is often the largest financial transaction most people will make. The Housing Opportunities Commission (HOC) is committed to making home ownership in Montgomery County affordable by offering qualified buyers home loans and down payment/closing cost assistance.

Housing Opportunities Commission Website

  For Lenders     |    Special Programs for HOC Residents   |    HOC Existing Loan Customers

Mortgage Purchase Program (MPP)

Conventional Financing Option

Getting Started

Interest Rates

Income and Sales Price Limits

Closing Cost Assistance

Participating Lenders

Eligible Property/MPDU

First Time Homebuyer EducationHome Inspection


Terms and Conditions of MPP Mortgage

Recapture Tax

Power of Attorney

Free Credit Report

Payment Calculator

Frequently Asked Questions(FAQ)

Mortgage Vocabulary

Howard County Housing Repair Program

The Home Repair Program helps income eligible Howard County homeowners make repairs to their homes. The home repairs help the homeowner meet local housing codes for health and safety conditions. Repairs may include, but are not limited to: heating and air systems, electrical wiring, plumbing, roofs, windows and doors. The Home Repair Program has served the community for many years, and helped to preserve homes for residents of Howard County. Homeowners have been given the chance to make improvements to their home, thus reducing housing blight in many neighborhoods.

Special needs?

The County can also assist homeowners with repairs or improvements to assist with mobility, hearing, or vision issues. These repairs can help make it easier to get in or around the home. Ramps, chair lifts, or grab bars are just some of the modifications that can be made through the program for eligible households.

Who is eligible?

You must be the homeowner and live in the home. It must be a single family residence located within Howard County. Your household must meet the family size and income limits determined by the U.S. Department of Housing and Urban Development (HUD). All property taxes and outstanding home mortgages must be current, and home must be covered by hazard insurance.

Pre-Application for the Housing Repair Program – click here to download

Program Description and Income Limits – click here to download

Please call 410-313-6318 option 4, Monday – Friday from 8:30 a.m. to 5:00 p.m., or email at dgillen@howardcountymd.gov. Upon receipt of the general information, someone will contact you to confirm pre-eligibility for the program and schedule a home visit to complete an application.

Other Resources for Home Repairs
Howard County Housing also administers the Maryland Whole Home program to county homeowners. Maryland WholeHome offers grants and loans from the Maryland Department of Housing and Community Development to assist homeowners with a variety of upgrades and repairs, including: the installation of energy efficient appliances; repair or replacement of heating and cooling systems; removal of lead paint; and addressing structural and maintenance issues. The program offers low-interest loans and grants based on needed work, household income, and the homeowner’s ability to repay. For more information, contact Howard County Housing Home Repair Program at 410-313-3508. 


Freddie Mac’s 3%-5% Down Solution

Home Possible® mortgages offer low down payments for low- to moderate-income homebuyers or buyers in high-cost or underserved communities.

Click on link below and learn to Discover the Possibilities with Home Possible.

About Good Neighbor Next Door

Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD’s Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.

How the Program Works

Eligible Single Family homes located in revitalization areas are listed exclusively for sale through the Good Neighbor Next Door Sales program. Properties are available for purchase through the program for seven days.

How to Participate in Good Neighbor Next Door

Check the  listings for your state. Follow the instructions to submit your interest in purchasing a specific home. If more than one person submits an offer on a single home a selection will be made by random lottery. You must meet the requirements for a law enforcement officer, teacher, firefighter or emergency medical technician and comply with HUD’s regulations for the program.

HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this “silent second” provided that you fulfill the three-year occupancy requirement.The number of properties available is limited and the list of available properties changes weekly.

To learn more, please see our Good Neighbor Sales Frequently Asked Questions!

Comments and Questions

To learn more, please visit the HUD website.


Montgomery County’s Moderately Priced Dwelling Unit (MPDU) Program offers affordably priced townhomes and condominiums – both new and resale – to first-time homebuyers who have a moderate household income (see list of minimum and maximum income levels below).

When MPDUs are available for sale, DHCA conducts Random Selection Drawings to determine who is eligible to purchase them.  Participants are selected to purchase a home based on a number of factors.

Households must be able to qualify for a mortgage; pay a down payment; pay settlement fees including advance taxes and advance insurance; and pay a monthly mortgage payment, utilities, and other costs.  Special financing and down payment and closing cost assistance are available through the Housing Opportunities Commission.

In addition, MPDU owners are responsible for all home maintenance, home improvements, condo fees (if applicable), and compliance with homeowner or condominium rules and regulations. For new homes, the builder is responsible for all warranty items.

Program Rules

Homes that are purchased through the MPDU Program, whether new or re-sale, have controls on them.  New and some resales homes have 30 year controls; other resale homes have 10 or 15 year controls. These controls are in the form of restrictive covenants that state:

  • During the control period, the owner must occupy the home.  The unit may not be rented out.
  • During the control period, the owner must not refinance the property for more than the controlled resale price established by the MPDU office (owners are prohibited from refinancing the property based on the market value of the property).
  • During the control period, the owner can only sell the home at the MPDU established controlled resale price through the MPDU Program to an approved MPDU purchase program participant.
  • During the control period, MPDU owners must not purchase another property.
  • When the property is sold after the control period, the owner must pay 50% of the profit to Montgomery County.
  • After the control period expires, it is strongly recommended that owners contact the MPDU office prior to refinancing their MPDU.  Refinancing does not relieve the owner of the obligation to make a shared profit payment to the County upon sale; therefore, it is important not to refinance for the full market value.

Benefits of MPDU Home Ownership

  • You will get to own a home in Montgomery County at a greatly reduced price.  Living in Montgomery County provides access to high quality services and schools.
  • By purchasing an MPDU home with a standard 30-year fixed rate mortgage, your monthly mortgage payment will not increase each year, unlike rent which landlords typically increase annually.
  • You will be able to deduct mortgage interest and real estate taxes from your income tax.
  • Your property taxes are based on the MPDU value of your property, not a “market value.”
  • You have the freedom to make improvements to your home.
  • When you sell your MPDU home during the control period at the MPDU controlled resale price, you will get back what you originally paid for the MPDU, plus inflation and the cost of eligible improvements.
  • When you sell your MPDU home after the control period at a market resale price, you will keep half of the profit.

Are you Eligible?

  1. You are NOT eligible to participate in the MPDU purchase program if you currently own a house or have owned a house anywhere in the past five (5) years.
  2. INCOME Minimums and Maximums (all incomes are gross household income; that is, household income before taxes)
    • minimum annual household income: $35,000
    • maximum annual household income (effective March 17, 2016):
      Eligible Household Size
      and Maximum Income
      Household SizeMaximum Income
  3. Participants in the MPDU purchase program MUST be able to:
    • pay a down payment, settlement fees and other closing costs, and
    • afford the monthly mortgage and other expenses for the property
  4. Financing  Applicants for the MPDU purchase program must provide a mortgage pre-qualification letter from an HOC participating Mortgage Lender in an amount of at least $120,000.  Special financing and down payment and closing cost assistance are also available through the Housing Opportunities Commission (HOC).

How to Apply – Easy as 1…2…3!

Step 1:  Attend First-Time Home-Buyer Class

Step 2:  Attend MPDU Orientation Seminar

Step 3:  Attend MPDU Application Session

NOTE:  You must take the First Time Homebuyer Class before the Orientation Seminar.  You just need to take both of these two classes before signing up for the Application Session.

  • DHCA does not mail applications for the MPDU purchase program. New, first-time participants in the MPDU program need to attend the first two required training sessions (Steps 1 and 2) in order to receive an application to participate in the MPDU program.  They must then attend an Application Session (Step 3) to turn in their completed application.
  • These classes are designed to answer all your questions about the MPDU program, provide information about the home purchase application and selection process, and provide information about home ownership responsibilities.
  • Current participants in the MPDU Program who have already taken the first two classes and who have already received a Certificate of Eligibility do not need to take the first two classes again – however, they must still attend an Application Session (Step 3) to turn in their renewal application and supporting documents.

Note:  Incomplete applications will not be accepted.  Do not sign up for the Application Session until you:

  • attend the First-Time Home-Buyer Class,
  • attend the MPDU Orientation Seminar,
  • obtain a mortgage pre-qualification letter,
  • gather all other documents needed for your application (as identified in your application folder), and
  • complete your application.

Steps and Instructions (click the link below)

Montgomery County Homeownership Program

Moderately Priced Dwelling Units (MPDU)


Applications are accepted on an open and continuous basis.

To ensure that housing choices continue to be available to its residents and employees with moderate incomes, the City Council passed the Moderately Priced Dwelling Unit Law in 2004. This law requires that 12% of the houses for sale in new subdivisions of 10 or more units be moderately priced dwelling units (MPDUs). This means that the sale price or rent is below the market rate for other units in the same development.

To be eligible to purchase, or rent, through the MPDU program an individual or household must:

  • Have an income that is 100% or less than the median family income for the Baltimore Metropolitan Statistical Area (MSA), with adjustments for household size, as reported by the United States Department of Housing and Urban Development (HUD) and does not currently own a home.
  • http://www.annapolis.gov/616/Eligibility

Current Maximum Income Limits for an MPDU

Household Size  Maximum Income*

Applications for this program are processed by:
Arundel Community Development Services, Inc. (ACDS)
2666 Riva Road
Suite 210
Annapolis MD 21401
Phone: 410-222-7600

Healthy Neighborhoods Loan Program

Healthy Neighborhoods oversees a $30.5 million private loan fund and provides special below-market loans to homebuyers and homeowners in Baltimore City to encourage investment and standard-setting renovation. Healthy Neighborhoods provides four innovative loans to eligible borrowers.

For a list of loan pool lenders who have contributed to this fund, click here.

Purchase & Renovate

Buying a home in one of Baltimore’s Healthy Neighborhoods? Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods target blocks. What’s in it for you? A below-market interest rate, free design advice, no private mortgage insurance requirement and more. What’s in it for us? We get new neighbors invested in keeping Baltimore beautiful! Learn More

Special Purchase

The special first mortgage loan is available to home buyers who will purchase formerly vacant homes in Belair-Edison developed by St. Ambrose Housing Aid Center and other formerly vacant homes developed by Healthy Neighborhoods approved developers. Learn More

Refinance & Renovate

Already live in a Healthy Neighborhood? We can refinance your existing mortgage and lend you additional funds to update your home on a target block. Learn More


Home Improvement

If you live within the boundaries of a Healthy Neighborhood but not on a target block, we offer this loan to help you complete some renovation to your home. You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire. Learn More

Visit Healthy Neighborhoods Website



The Baltimore City Special Program

The Baltimore City Special, a partnership between the Maryland Mortgage Program and Baltimore City, gives eligible homebuyers purchasing in Baltimore City $7,500 in down payment and closing cost assistance.

This short-term financial incentive is provided by Baltimore City and the state of Maryland to help working families achieve homeownership. Eligible homebuyers can take advantage of t​his assistance by purchasing their home through the Maryland Mortgage Program, which has helped thousands of families achieve homeownership and comes with the security that only the state’s flagship homeownership program can provide.

Download the Baltimore City Special Flyer

Download the Baltimore City Special Fact Sheet​

​Getting Started

If you’re ready to take advantage of this special program:

    1. Talk to a Lender – Your lender can help you confirm your eligibility for the Baltimore City Special Program and Maryland Mortgage Program and will make sure you meet all the requirements, such as attending the right Homebuyer Education Class.
 Check Your Eligibility to see whether you can apply for a Maryland Mortgage Program​ loan. Note that being eligible to apply does not guarantee approval, and lenders will take into account things like your income, credit history and employment situation when considering your application.
Complete a Homebuyer Education Class – Completing a Homebuyer Education prepares you to make the right decisions when purchasing your home.  Homebuyer Education classes are available throughout Maryland, and are provided by a range of Community and Non-Profit organizations as well as local government housing agencies.
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Deferred Loan Program

What is it?

The Deferred Loan Program offers below market-rate rehabilitation loans for owner-occupied properties. Loans are available to low- and moderate-income households. Typical repairs qualifying for this assistance include, but are not limited to: furnace, roof, electrical, and plumbing repair, and accessibility improvements for elderly/handicapped homeowners.

Who is eligible?

Households below 80% of Baltimore City median income levels (see chart below).

All Baltimore City homes and condominiums, including units with one to two dwellings, as long as the owner resides on the property

The underwriting staff will determine eligibility for specific loan programs following review of the application, income verification, credit reports, tax assessment and property value.

Household Size         Annual Income

1                                       $44,750

2                                             $51,150

3                                             $57,550

4                                             $63,900

5                                             $69,050

6                                             $74,150

7                                              $79,250

8                                              $84,350

What are the benefits?

Structural repair promotes safe and adequate living conditions for all property residents. Maryland law requires compliance with health and building codes.

What are the loan terms?

Loans are available to qualifying households with a 3% simple interest rate.

The homeowner makes no monthly payments, and all payments are deferred until after the sale, refinance or transfer of title to the property.

All application fees and closing costs are included in the loan amount.

How do I apply?

Download an application for assistance and a lead hazard information pamphlet or call (410) 396-3023 to have one mailed to you.

For more information about this program, contact:

Baltimore Housing
LIGHT Program
2700 N. Charles Street, Suite 201
Baltimore, MD 21218
(410) 396-3023

Or visit their website.

Mortgage Assistance

The Mortgage Assistance Program is currently offering a special promotion for a maximum loan amount of $25,000.   This special promotion will end on June 30, 2017 OR until funds are exhausted.   MAP funds are available on a first come, first serve basis.   ACDS must receive a fully ratified sales contract by June 30, 2017 OR until funds are exhausted.    On July 1, 2017, the maximum loan amount will return to $20,000.

The Mortgage Assistance program (MAP) provides income eligible, homebuyers with up to $25,000 in assistance to purchase a first home. MAP funds can be used toward down payment, closing costs, and mortgage write-down and can be used in conjunction with FHA and MD Community Development Administration (CDA) loans.

Income Limit:

Assistance may not be provided to households whose total household income, from all sources, exceeds 80% of Area Median Income.

Household Income Limits

  • 1 person: $46,000
  • 2 person: $52,600
  • 3 person: $59,150
  • 4 person: $65,700
  • 5 person: $71,000
  • 6 person: $76,250
  • 7 person: $81,500
  • 8 person: $86,750

Amount Available:

Up to $20,000 is currently available, depending on an eligible client’s need.

Eligible Applicants:

First-time homebuyers who do not exceed the income limits and who have successfully completed the ACDS Homeownership Counseling Program prior to entering into a contract to purchase.

Eligible Properties

An existing or newly constructed residence, including detached, semi-detached and attached townhomes and condominiums, located within Anne Arundel County. The home must be owner-occupied or vacant at the time the offer to purchase is made, except when the existing tenant is the one making the purchase. The property must meet the ACDS Property Minimum Standards for code and safety. The maximum sales price is $271,000.00 for existing homes and $304,000.00 for new construction.

Funding Terms:

Assistance is provided as a loan, not a grant. However, the terms are very favorable, include 0% interest, and there are no monthly payments. Loans are due and payable upon sale, transfer of property, when the property ceases to become a primary residence, or in 30 years; whichever comes first.

Information for REALTORS® and Lenders:

Please visit our Lender/Realtor page to learn more about our processing requirements regarding contracts to purchase, inspections, loan documents, and settlement requirements.

Minimum Cash Contribution from Borrower(s):

The homebuyer must contribute a minimum cash contribution of one percent of the sales price from their funds.

For more information visit https://acdsinc.org/  (Arundel Community Development Services, Inc.)