Montgomery Homeownership Program
Deferred second loan · New construction · Income limits
Down payment assistance · Montgomery County
Buying a home in Ashton-Sandy Spring, MD
5 county programs and 19 statewide.Ashton-Sandy Spring has no program of its own, 5 across Montgomery 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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What’s local to Ashton-Sandy Spring
No program of Ashton-Sandy Spring’s own yet
No program run for Ashton-Sandy Spring alone is listed. A home in Ashton-Sandy Spring can use Montgomery County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Laurel, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
5 county programs5 county programs a Ashton-Sandy Spring homebuyer can use
2 more programs are for homes in Gaithersburg and Rockville. See them 2 programs in neighboring cities — for homes inside those cities, not Ashton-Sandy Spring
- Gaithersburg — Gaithersburg Homebuyer Assistance Loan Program (GHALP)
- Rockville — City of Rockville Moderately Priced Dwelling Unit (MPDU) Homeownership Program
The Ashton-Sandy Spring marketThe Ashton-Sandy Spring housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ashton-Sandy Spring
- 80.7% single-familysingle-family
- 14.9% townhousetownhouse
- 0.4% 2–4 units2–4 units
- 3.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. All 5 of Ashton-Sandy Spring’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ashton-Sandy Spring’s homes were built
pre-19401970s2020+
38.2%
of Ashton-Sandy Spring 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.
$166,100
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$174,063
Ashton-Sandy Spring median household incomeMedian household income in Ashton-Sandy Spring (Census, 2024)
17 of the 86 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Ashton-Sandy Spring
15 HUD-approved counseling agencies within 15 miles15 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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
Ashton-Sandy Spring questions
Does Ashton-Sandy Spring have its own down payment program?
No program run for Ashton-Sandy Spring alone is listed. A home in Ashton-Sandy Spring can use the 5 programs that cover Montgomery County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ashton-Sandy Spring?
All 5 of Ashton-Sandy Spring’s local and county programs accept condos. 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 Montgomery County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Ashton-Sandy Spring?
HUD-approved housing counseling agencies teach homebuyer classes, and 15 agencies are within 15 miles of Ashton-Sandy Spring. Create a free account and take the 90-second match to see the ones near you.
Nearby in Montgomery
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.