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Frederick County Maryland - Down Payment Assistance
Up to $18,000 in down payment and closing cost help
The Frederick County Homebuyer Assistance Program or HAP is creating homeownership opportunities throughout Frederick County Maryland, with down payment assistance up to $18,000, for homebuyers currently living or working in Frederick County.
The Frederick County Homebuyer Assistance Program offers the following benefits:
- Down payment assistance up to $18,000
- 0% interest rate and deferred repayment on the down payment assistance amount
- Only has to be paid back when you sell, refinance, or convert the property to an investment property
- Can be used in conjunction with any 30-year fixed rate mortgage program
- Available for all property types, including existing homes and new construction
- Easy and Simple Process. Lenders submits all paperwork to the County; the homebuyer only needs to take a first-time buyers class
How much down payment assistance will I qualify for?
| Household Size | Homebuyer Assistance Program $18,000 Loan 50% AMI* Maximum Household Income | Homebuyer Assistance Program $15,000 Loan Uncapped 80% AMI* Maximum Household Income |
|---|---|---|
| 1 | $58,150 | $93,050 |
| 2 | $66,450 | $106,350 |
| 3 | $74,750 | $119,650 |
| 4 | $83,050 | $132,900 |
| 5 | $89,700 | $143,550 |
| 6 | $96,350 | $154,200 |
| 7 | $103,000 | $164,800 |
| 8 | $109,650 | $175,450 |
| *Note: Frederick County Area Median Income (AMI) is the HUD Washington Metropolitan Statistical Area (MSA) median income. Use of uncapped 80% AMI is at the discretion of the Director of the Division of Housing and based on housing market conditions. |
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