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Maryland HomeAbility

Maryland Department of Housing and Community Development offers HomeAbility to home buyers in Maryland: as much as 25% of the price, with $45,000 as the top amount, as a deferred loan.

Amount
As much as 25% of the price, with $45,000 as the top amount
The kind of help
A loan repaid later
Only open to first-time buyers
No

The loan is deferred, with 0% interest and nothing due each month. Repayment happens when you sell the home, refinance it or pass it on to someone else.

With a deferred loan there's no monthly cost. The full balance comes due once you sell the home, refinance or finish paying the first mortgage.

Maryland HomeAbility: who qualifies?

  • This program is for people with disabilities only.
  • Your household's income can go up to 80% of the median income for your area.
  • Being a first-time buyer isn't required.
  • The first mortgage paired with it is a Maryland Mortgage Program loan.

Your county and household size set most of the limits. Use our HUD income limits tool to see the median income for your area and how your household compares.

Applying for Maryland HomeAbility

  1. Don't make an offer on a home yet; first reach out to the agency or a lender that offers Maryland Department of Housing and Community Development's programs.
  2. The lender reviews your credit, income and the property under the program rules, then sets the funds aside for you
  3. At closing, the help goes toward your down payment and your closing costs.

Check Maryland Department of Housing and Community Development's page for HomeAbility for the full rules and whether it's taking applications. You can also choose a lender from the agency's participating lender list.

Talk to a lender about Maryland HomeAbility

Tell us where you're buying and a lender that works with Maryland's programs can tell you whether Maryland HomeAbility fits you, and what you could combine with it.

Call 866-602-7460

Prefer not to call? Share your details and the lender will get in touch with you.

When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

Other help for home buyers in Maryland

Every Maryland first-time home buyer program · Down payment help in every state