Wicomico County Closing Cost / Down Payment Assistance Loan (Salisbury Neighborhood Housing Services)
Repayable second loan · Income limit 120% of AMI
single_family, townhouse, condo
See details Aug 2026
Down payment assistance · Maryland
Buying a home in Wicomico County, MD
2 county-wide programs, plus 14 statewide and 62 nationwide.Wicomico 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 WicomicoAnywhere in Wicomico County
2 programs for every Wicomico address2 programs that cover every Wicomico address
These are run for the whole county, so a home in Salisbury, Fruitland or Pittsville can use them.
Habitat for Humanity of Wicomico County Homeownership Program
First mortgage · New construction · Income limit 80% of AMI
Single Family
See details Jul 2026
AMI is HUD’s area median income for Wicomico, adjusted for household size. Each program publishes its own dollar limits.
The Wicomico marketThe Wicomico housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Wicomico
- 70% single-familysingle-family
- 5.8% townhousetownhouse
- 5% 2–4 units2–4 units
- 15.3% 5+ unitscondo & apartment buildings (5+ units)
- 3.9% mobile & othermobile home & other
Condos count. 1 of the 2 county-wide programs list condos as eligible. Habitat for Humanity of Wicomico County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Wicomico’s homes were built
pre-19401970s2020+
43.8%
of Wicomico 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.
$104,700
HUD area median income, 4 people (FY2026)HUD area median income, Wicomico County, 4-person household (FY2026)
$76,210
Median household income (ACS 2024 5-year)Median household income in Wicomico (Census ACS 2024 5-year)
62.3%
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 Wicomico County’s area median income, adjusted for household size. See the published limits for Wicomico County
Free help in WicomicoFree help in Wicomico
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Wicomico County
Wicomico’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Wicomico County 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Wicomico County.
4 cities and placesA to Z
All cities in Wicomico CountyAll 4 cities and places in Wicomico County
Wicomico questions
Can I use a county program anywhere in Wicomico?
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 Wicomico 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 Wicomico programs accept condos?
1 of the 2 county-wide programs list condos as eligible. Habitat for Humanity of Wicomico County Homeownership Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Wicomico?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Wicomico County. 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.