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Anne Arundel County Mortgage Assistance Program
First Time Home Buyer
Anne Arundel County
Closing Cost Assistance
Down Payment Assistance
Income restricted financial assistance for first time buyers in Anne Arundel County.

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.)