Maryland HomeAbility
Maryland Department of Housing and Community Development offers HomeAbility to home buyers in Maryland: up to 25% of the price, at most $45,000, as a deferred loan.
- Amount
- Up to 25% of the price, at most $45,000
- Kind of help
- Deferred loan
- First-time buyers only
- No
How is Maryland HomeAbility paid back?
Deferred loan: 0% interest and no monthly payments. You repay it when you sell, refinance or give the home to someone else.
A deferred loan costs nothing each month, but the whole amount is due when you sell, refinance or pay off the first mortgage.
Who qualifies for Maryland HomeAbility?
- Only for people with disabilities.
- Household income up to 80% of area median income.
- You don't have to be a first-time buyer.
- It comes with this first mortgage: Maryland Mortgage Program loan.
Most limits follow your county and household size. Our HUD income limits lookup shows your area's median income and where your household sits.
How to apply for Maryland HomeAbility
- Ask a lender that works with Maryland Department of Housing and Community Development's programs, or contact the agency, before you make an offer on a home.
- The lender checks your income, credit and the home against the program's rules and reserves the money for you.
- The help is paid at closing, toward your down payment and closing costs.
Read the full rules and whether it is taking applications on Maryland Department of Housing and Community Development's page for HomeAbility, or pick a lender from the agency's list of participating lenders.
Ask 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.
Rather not call? Send your details and the lender will reach you.
More help for buyers in Maryland
All Maryland first-time home buyer programs · Down payment assistance in every state