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Home » Down Payment Assistance Programs - Frederick County HAP

Frederick County Maryland - Down Payment Assistance

Up to $12,000 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 $12,000, for homebuyers currently living or working in Frederick County. The Frederick County Homebuyer Assistance Program offers the following benefits:
  • Down payment assistance up to $12,000
  • 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 SizeHomebuyer Assistance Program $12,000 Loan 50% AMI* Maximum Household IncomeHomebuyer Assistance Program $10,000 Loan 50% AMI* Maximum Household Income
2$60,300 $76,250
3$67,850 $85,800
4$75,350 $95,300
5$81,400 $102,950
6$87,450 $110,550
7$93,450 $118,200
* Note: Frederick County Area Median Income (AMI) is the HUD Washington Metropolitan Statistical Area (MSA) median income.

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