Deferred second loan
MPDU Settlement Expense Assistance Program
Moderately Priced Dwelling Unit (MPDU)
Down payment assistance · Anne Arundel County
Buying a home in Annapolis, MD
1 Annapolis program, 1 county program and 19 statewide.Annapolis has 1 program of its own, 1 more across Anne Arundel County, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Annapolis addresses
Annapolis’s own program
Anywhere in Anne ArundelAnywhere in Anne Arundel County
1 county program1 county program a Annapolis homebuyer can also use
The Annapolis marketThe Annapolis housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Annapolis
- 40.2% single-familysingle-family
- 25.4% townhousetownhouse
- 4.6% 2–4 units2–4 units
- 29.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
Condos count. 1 of Annapolis’s 2 local and county programs accept condos. MPDU Settlement Expense Assistance Program lists moderately priced dwelling unit (mpdu).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Annapolis’s homes were built
pre-19401970s2020+
60.4%
of Annapolis homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$134,000
County area median income, 4 people (HUD)HUD area median income, Anne Arundel County, 4-person household (2026)
$113,860
Annapolis median household incomeMedian household income in Annapolis (Census, 2024)
18 of the 83 programs here set their income limit as a share of Anne Arundel County’s area median income, adjusted for household size. See the published limits for Anne Arundel County
Free help nearbyFree help near Annapolis
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Annapolis questions
Does Annapolis have its own down payment program?
Yes, one: MPDU Settlement Expense Assistance Program, a deferred second loan (forgiven over 10 yrs). It is for homes inside Annapolis.
Can I use assistance on a condo in Annapolis?
1 of Annapolis’s 2 local and county programs accept condos. MPDU Settlement Expense Assistance Program lists moderately priced dwelling unit (mpdu). Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Anne Arundel County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Anne Arundel County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Annapolis?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Annapolis. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21401 · 21402 · 21403 · 21404 · 21405 · 21411 · 21412
Nearby in Anne Arundel
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.