AFFORDABLE HOMEOWNERSHIP PROGRAMS
MARYLAND COUNTIES & MUNICIPALITIES
Prepared by the Maryland Association of REALTORS®
Revised February 2014
LOCATION
PROVIDER
PROGRAM NAME
WEBSITE / CONTACT
Allegany County
Allegany County
Office of Financing
Historic District Tax Assessment Freeze (Use City of Cumberland application) 301-759-6431
City of Cumberland Historic Preservation Commission – Historic or Downtown District Tax Incentives www.ci.cumberland.md.us 301-759-6431
Cumberland Neighborhood Housing Services (NHS) Revitalization to Ownership Programs
& Closing Cost Grants
(applications) www.cumberlandnhs.org 301-722-6958
& NAILS Home Repair Program
301-777-7134
Anne Arundel County
Anne Arundel County Arundel Community Development Services, Inc. (ACDS) Mortgage Assistance Program (MAP)
www.acdsinc.org
& Property Rehabilitation & Homes for Sale
410-222-7600
& Accessibility Modification
Housing Commission of Anne Arundel County
HCV Homeownership
tmgarcia@hcaac.org
City of Annapolis
Moderately Priced Dwelling Unit (MPDU) Program
Apply at ACDS 410-222-7600
}
Baltimore County
Office of Neighborhood Improvement
Housing Opportunities Program
ONLY East Baltimore County
Home Partnership, Inc.
Settlement Expense Loan Program (SELP)
Single Family Rehabilitation Loan Program
Mortgage Assistance Loan Program (MALP)*
Emergency Repair Grant Program
Purchase-Rehab Program*
}
410-887-3124
410-679-3200
Baltimore City
Office of Homeownership
“Buying Into Baltimore”/City Living Starts Here Tours
Vacants to Value Booster Program
Live Near Your Work (LNYW)
Employee Homeownership Program
CDBG First Time Homebuyer Program *
Housing Choice Voucher Homeownership Program
Tenant Conversion Mortgage Program
Office of Rehabilitation Services
Rehabilitation – Deferred Loans
& Senior Roof Repair
410-396-4159
}
410-396-3124
Daibeth Saunders 410-396-4159
410-396-4151
Baltimore City (continued)
Department of Finance
Newly Constructed Dwelling Tax Credits
Rehabilitated Vacant Dwelling Tax Credit
Home Improvement Tax Credit
Commission for Historical & Architectural Preservation
Historic Restoration/Rehab Tax Credit
Health Department
Lead Abatement Program
Neighborhood Housing Services
Home Improvement Loan
St. Ambrose Housing Aid Center
Renovated Homes for Sale
410-396-4866
410-396-4151
410-327-1200
Charly Johnson 410-366-8550 x. 267
ONLY Targeted Blocks Healthy Neighborhoods Initiative
Purchase or Refinance/Rehabilitation
http://www.healthyneighborhoods.org/buyandrenovate/targetblocks.aspx
www.healthyneighborhoods.org
410-332-0387
ONLY Targeted Neighborhoods:
Healthy Neighborhoods Initiative
Belair-Edison, Coldstream-Homestead-Montebello,
Coppin Heights, Cylburn/Levindale, Edmondson Village,
Garwyn Oaks/Hanlon/Howard Park, Glen,
Greater Homewood, Greater Lauraville,
Highlandtown/Greektown/Bayview, Midtown,
Mondawmin, Patterson Park, Reservoir Hill
www.healthyneighborhoods.org
410-332-0387
ONLY Northwest Baltimore
Calvert County
Calvert County
410-396-3971 (Paula Buchanan)
Home Improvement Loan
Matching Rehab Grant
Comprehensive Housing Assistance, Inc. (CHAI) Homebuyer Purchase & Renovation Loan
Home Improvement Loan
Energy Savings Loan
Senior Home Repair & Modification Program
Housing Authority
Tri County Community Action Agency
Calvert Loan Program
Special Loan Program (rehabilitation)
Mutual Self Help Housing Program
}
}
410-500-5309
410-500-5314
410-535-5010 (Bonnie Burriss)
410-535-1010
Caroline County – None available
Carroll County
Interfaith Housing Alliance
Purchase – Repair Homeownership Program criggles@interfaithhousing.org 301-662-4225 x. 1209
City of Westminster
Department of Planning
Community Development Programs
410-751-5505 (Sandy Anderson)
Historic Property Tax Credit
410-848-7967 (Steve Sager)
Cecil County
Family Services Association
Cecil Closing Cost Assistance Program (CHAP)
410-996-4246 (Beverly Toth)
Cecil Settlement Expense Loan Program (SELP)
Home Partnership Inc.
Purchase Rehabilitation Program*
410-679-3200
Havre De Grace
Housing Authority
Homeownership Program
410-939-2037
}
Charles County
Charles County
Dept. of Community Services,
Housing Authority
Tri County Community Action Agency
Dorchester County
CDBG Down Payment Assistance Program
301-870-3388 X. 5119 or
First-Time Home Buyers Settlement Expense Loan Program
301-934-9305
Housing Choice Voucher Home Ownership Program
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Mutual Self Help Housing Program
301-274-4474
City of Cambridge (Sustainable Community Boundary)
Façade Improvement Program
410-221-6074
Frederick County
Frederick County Housing & Community Development (HCD) HOME Initiative Program (Down Payment & Closing Cost Assistance) >
www.frederickcountymd.gov/housing 2014 Green Home Challenge & Refrigerator Exchange Program
> 301-600-6647 (Heather Sutton)
Neighborhood Conservation Initiative - Housing Initiative Fund >
Citizen’s Services/HCD
Moderately-Priced Dwelling Unit (MPDU) Program
301-600-6647 (Heather Sutton)
Emergency Rehab Loan Program
301-600-3531 (Susan Brown)
Development Impact Fee Exemption (Affordable Housing)
Deferred Loan Program
301-600-3530 (Jennifer Short)
Board of County Commissioners
Affordable Housing Council
Treasury Dept.
Senior Tax Credit
301-600-1111
Frederick Habitat for Humanity
Affordable Housing Land Trust
301-698-2449
City of Frederick
Community Development
MPDU Program
301-600-3955 (Mike Spurrier)
Historic Preservation Commission/Planning Dept. Historic Preservation Property Tax Credit
301-600-1499
Frederick Community Action Agency
Housing Rehabilitation Program
301-600-1506
Interfaith Housing Alliance
Purchase – Repair Homeownership Program criggles@interfaithhousing.org 301-662-4225 x. 1209
}
Garrett County
Garrett County
Community Action Committee
www.garrettcac.org
First-time Homeowner Program
Asset Builders Individual Development Account (IDA)
Home Repair & Rehab Loan Program
301-334-9431 x.150 (Deb Swiger)
debswiger@garrettcac.org
Harford County
Harford County
Housing Agency
Settlement Expense Loan Program (no funding as 2/12/13)
Home Partnership Inc.
Rehab Purchase Program *
(ONLY Aberdeen, Abingdon & Edgewood)
NCI Homeownership Closing Cost Program*
410-638-3045
410-679-3200
410-679-3200
Howard County
Housing & Community Development
www.co.ho.md.us/DH/DH_Homeownership.htm
Community Action Council http://www.cac-hc.org
Moderate Income Housing Unit (MIHU) Program
Rehabilitation Loans
Housing Choice Voucher for Homeownership Program
Individual Development Account (IDA)
410-313-6318
410-313-6320
410-313-6440
Kent County
Planning, Housing and Zoning
Housing Improvement Program
410-778-7426 (Bill Kerbin)
Montgomery County
Montgomery County
}
Housing Opportunities Commission
Mortgage Purchase Program
3% Closing Cost Assistance Program
“5 for 5” Revolving Closing Cost Assistance Loan
Montgomery County Department of Housing and Community Affairs
Moderately-Priced Dwelling Unit (MPDU) Program
Weatherization
Workforce Housing
Focused Neighborhood Assistance Program
BMI Loans for Housing Rehabilitation
City of Rockville
Housing Initiatives
Real Estate Effort for Affordable Community Housing (R.E.A.C.H.)
Prince George’s County
Prince George’s County
Housing & Community Development, My HOME Program – Downpayment & Closing Cost Assistance
www.princegeorgescountymd.gov/
ONLY targeted zipcodes: 20706, 20737, 20743, 20744,
My HOME II Program - Downpayment Closing Cost Assistance
20745, 20746, 20747, 20748, 20772, 20774, 20784, 20785
Redevelopment Authority
Neighborhood Stabilization Program
ONLY census tracts in the Suitland and District Heights communities:
8024.05, 8025.06, 8020.02, 8020.01, 8018.02, 8019.02, 8021.05,
9019.07, 8019.08, 8021.06, 8021.07; and the following zip codes:
20706, 20737, 20743, 20744, 20745, 20746, 20747, 20748, 20772,
20774, 20784 and 20785.
Redevelopment Authority
“Buy Suitland” – down payment/closing costs
ONLY census tracts: 8018.02, 8019.07, 8019.08, 8020.01, 8020.02, 8021.05,
8021.06, 8021.07, 8024.05, 8024.06, 8029.02
Suitland Residential Façade Improvement
Housing Authority
HCV Homeownership Program
City of College Park
City of Laurel
Planning Department
Budget & Personnel Services
Housing Initiative Partnership, Inc.
Queen Anne’s County
Queen Anne’s County
St. Mary’s County
St. Mary’s County
}
}
240-777-0311
301-699-5875
301-883-5456
301-883-5300
301-883-5300
301-883-5300
301-833-5531
New Neighbor Homeownership Program
301-277-3445
Foreclosed Home Real Estate Tax Credit
301-725-5300
Historic District Tax Credit
“
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Owner-Occupied Rehab Program
301-699-1222 (Joycelyn Harris)
Rehab - Purchase Single Family Program
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Department of Community Services
Critical Workforce Second Mortgage Program
Moderately Priced Dwelling Unit (MPDU) Program
Senior Citizen Home Repair
Housing Authority
Tri County Community Action Agency
www.hocmc.org/
301-962-5500
Housing Voucher Homeownership Program (4/14)
Mutual Self Help Housing Program
410-758-3977
x. 2070 (Candice Darling)
301-866-6590 Sandra Johnson
410-535-1010
Somerset County – None available
Talbot County
City of Easton
Washington County
Washington County
Affordable Housing Board
Easton Affordable Housing Program - First Time Buyers
Affordable Housing Renovation Program – Owner-Occupied Homes
410-822-2525
Housing Authority (HAWC)
Rent-to-Own Program &
301-791-3168
Section 8 Homeownership Program
Washington County Historical Trust
Exterior Preservation Tax Credit
301-739-8577 x. 140 (Kathleen Maher)
Interfaith Housing Alliance
Purchase – Repair Homeownership Program criggles@interfaithhousing.org 301-662-4225 x. 1209
City of Hagerstown
Community & Economic Development City Center Residency Initiative
301-739-8577 x. 131 Stacey Pierre‐Louis
Neighborhood Homeownership Incentive Program
CDBG Homeownership Program
Neighborhood Façade and Exterior Enhancement Program 301-766-4171 x. 111
Hagerstown Neighborhood Development Partnership/Hagerstown Home Store “Buy in 21740”
Community Partners Incentive Program (CPIP)
Wicomico County
City of Salisbury
City of Salisbury
City of Salisbury
Shore Up!
Neighborhood Housing Services (SNHS) Purchase, Refinance & Improvement Loans
(ONLY Camden Avenue, Doverdale/Church Street, Westside)
SNHS
Purchase & Rehab Loans & Repair Grant
SNHS
Homeowner Conversion Grant Program
SNHS/City Finance Office
Conversion Tax Abatement Program
Housing Rehabilitation
301-797-0900
301-797-0900
}
410-543-4626
410-548-3110
410-742-9191
Worcester County – None available
* = Funding is limited or budgeted annually/temporarily.
HOUSE KEYS 4 EMPLOYEES PROGRAM (HK4E) – Updated February 2014
List of Participating Employers from Local Governments
Calvert County Government, School System
Charles County Government, Public Schools & Sheriff’s Office
City of Baltimore/Baltimore Housing (Authority)
City of Baltimore School System
City of College Park
City of Frederick
City of Gaithersburg
City of Greenbelt
City of Hagerstown
City of Salisbury
Housing Authority of Washington County
Kent County Government (Contact: Department of Human Resources at 410-778-4595)
Montgomery County Government
St. Mary’s County Government, Board of Education, Fire/Rescue/ALS & Library
Town of Chestertown
Town of Hurlock
Washington County Commissioners
State of Maryland Government http://www.mmprogram.org/StateOfMaryland.html
COMMUNITY PARTNERS INCENTIVE PROGRAM (CPIP)
List of Participating Community Partners
Assets For Financial Independence Foundation, Inc.
Baltimore Housing Office of Homeownership
Frederick Community Action Agency
Comprehensive Housing Assistance, Inc. – Baltimore
Delta Challenge Homeownership Institute (Aberdeen) & The Women’s Challenge, Inc. (Abingdon)
Frederick County Dept. of Housing
Hagerstown Neighborhood Development Partnership
Healthy Neighborhoods, Inc.
Home Partnership, Inc. – Harford, Upper Chesapeake
Housing Initiative Partnership, Inc. (HIP) – Prince George’s County
Mi Casa, Inc. – DC Metro
Neighborhood Housing Services of Baltimore
Park Heights Renaissance
Salisbury Neighborhood Housing Services
St. Ambrose Housing Aid Center, Inc.