Down-payment assistance
Habitat for Humanity Choptank Homeownership Program
New construction · Income limits · single_family
Down payment assistance · Dorchester County
Buying a home in Cambridge, MD
1 Cambridge program and 19 statewide.Cambridge has 1 program of its own, 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 Cambridge addresses
Cambridge’s own program
The Cambridge marketThe Cambridge housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cambridge
- 56.6% single-familysingle-family
- 8% townhousetownhouse
- 10.8% 2–4 units2–4 units
- 23.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
About condos. Cambridge’s one local program does not list condos as eligible. Habitat for Humanity Choptank Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cambridge’s homes were built
pre-19401970s2020+
59.6%
of Cambridge 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.
$87,300
County area median income, 4 people (HUD)HUD area median income, Dorchester County, 4-person household (2026)
$47,323
Cambridge median household incomeMedian household income in Cambridge (Census, 2024)
17 of the 82 programs here set their income limit as a share of Dorchester County’s area median income, adjusted for household size. See the published limits for Dorchester County
Free help nearbyFree help near Cambridge
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Cambridge’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity Choptank Homeownership 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
Cambridge questions
Does Cambridge have its own down payment program?
Yes, one: Habitat for Humanity Choptank Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Cambridge.
Can I use assistance on a condo in Cambridge?
Cambridge’s one local program does not list condos as eligible. Habitat for Humanity Choptank Homeownership Program 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 Dorchester County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Dorchester 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 Cambridge?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Cambridge. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21613
Nearby in Dorchester
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.