Settlement Expense Loan Program
Deferred second loan · New construction · Income limits
Down payment assistance · Harford County
Buying a home in Bel Air, MD
1 county program and 19 statewide.Bel Air has no program of its own, 1 across Harford County, and 19 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Bel Air
No program of Bel Air’s own yet
No program run for Bel Air alone is listed. A home in Bel Air can use Harford County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Baltimore, about 22 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HarfordAnywhere in Harford County
1 county program1 county program a Bel Air homebuyer can use
Income limits in Harford County
How programs here set their income limits
$134,000
County area median income, 4 people (HUD)HUD area median income, Harford County, 4-person household (2026)
18 of the 82 programs here set their income limit as a share of Harford County’s area median income, adjusted for household size. See the published limits for Harford County
Free help nearbyFree help near Bel Air
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Bel Air’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Settlement Expense Loan Program asks 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
Bel Air questions
Does Bel Air have its own down payment program?
No program run for Bel Air alone is listed. A home in Bel Air can use the 1 program that cover Harford County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Bel Air?
Bel Air’s one local program accepts 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 Harford County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Harford 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 Bel Air?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Bel Air. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21014 · 21015
Nearby in Harford
Sources
Sources: agency sites (June–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.