Homebuyer 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 $12,000 in downpayment/closing cost assistance.  The application is submitted on behalf of the homebuyer by the first lender.

The Fact Sheet has program details regarding eligibility requirements, income limitslead paint requirementsand 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.





Contact Us

  1. Noura Ibrahim

    Housing Program Coordinator - Homeownership

    Housing & Community
    401 Sagner Avenue
    Frederick, MD 21701

    Ph: 301-600-6647
    Fx: 301-600-3585


    Monday - Friday
    8 a.m. – 4 p.m.

    Staff Directory