Worcester County Closing Cost / Down Payment Assistance Loan
Repayable second loan · Income limits
Down payment assistance · Worcester County
Buying a home in Berlin, MD
1 county program and 19 statewide.Berlin has no program of its own, 1 across Worcester 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 Berlin
No program of Berlin’s own yet
No program run for Berlin alone is listed. A home in Berlin can use Worcester County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Annapolis, about 82 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WorcesterAnywhere in Worcester County
1 county program1 county program a Berlin homebuyer can use
The Berlin marketThe Berlin housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Berlin
- 60.1% single-familysingle-family
- 10% townhousetownhouse
- 7.9% 2–4 units2–4 units
- 22.1% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Berlin’s one local program does not list condos as eligible. Worcester County Closing Cost / Down Payment Assistance Loan lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Berlin’s homes were built
pre-19401970s2020+
36.5%
of Berlin 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.
$111,100
County area median income, 4 people (HUD)HUD area median income, Worcester County, 4-person household (2026)
$81,438
Berlin median household incomeMedian household income in Berlin (Census, 2024)
18 of the 82 programs here set their income limit as a share of Worcester County’s area median income, adjusted for household size. See the published limits for Worcester County
Free help nearbyFree help near Berlin
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Berlin’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Worcester County Closing Cost / Down Payment Assistance Loan 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
Berlin questions
Does Berlin have its own down payment program?
No program run for Berlin alone is listed. A home in Berlin can use the 1 program that cover Worcester County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Berlin?
Berlin’s one local program does not list condos as eligible. Worcester County Closing Cost / Down Payment Assistance Loan lists single family. 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 Worcester County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Worcester 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 Berlin?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21811
Nearby in Worcester
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.