Critical Workforce (CWF) Second Mortgage Financing Program
Deferred second loan · New construction · Income limit 120% of AMI
Single-family detached, Townhouse, Condominium
See details Sep 2026
Down payment assistance · Maryland
Buying a home in Queen Anne's County, MD
2 county-wide programs, plus 14 statewide and 62 nationwide.Queen Anne's has 2 programs that cover the whole county. On top of those, 14 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in Queen Anne'sAnywhere in Queen Anne's County
2 programs for every Queen Anne's address2 programs that cover every Queen Anne's address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Stevensville, Centreville or Chester can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Moderately Priced Dwelling Unit (MPDU) Second Mortgage Financing Program
Deferred second loan · New construction · Income limit 80% of AMI
MPDU-designated single-family detached, MPDU townhouse, MPDU condominium
See details Jul 2026
AMI is HUD’s area median income for Queen Anne's, adjusted for household size. Each program publishes its own dollar limits.
The Queen Anne's marketThe Queen Anne's housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Queen Anne's
- 81.2% single-familysingle-family
- 6.7% townhousetownhouse
- 2.3% 2–4 units2–4 units
- 6.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Queen Anne's’s homes were built
pre-19401970s2020+
33%
of Queen Anne's 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
HUD area median income, 4 people (FY2026)HUD area median income, Queen Anne's County, 4-person household (FY2026)
$112,826
Median household income (ACS 2024 5-year)Median household income in Queen Anne's (Census ACS 2024 5-year)
82.9%
of occupied homes are owner-occupied (Maryland: 67.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 78 programs here set their income limit as a share of Queen Anne's County’s area median income, adjusted for household size. See the published limits for Queen Anne's County
Free help in Queen Anne'sFree help in Queen Anne's
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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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5 cities and placesA to Z
All cities in Queen Anne's CountyAll 5 cities and places in Queen Anne's County
Queen Anne's questions
Can I use a county program anywhere in Queen Anne's?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Queen Anne's County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Queen Anne's programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Queen Anne's?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.