Assistance grant
Cumberland Closing Cost Assistance Grant
First-time homebuyers · Income limits · Single Family
Down payment assistance · Allegany County
Buying a home in Cumberland, MD
1 Cumberland program, 1 county program and 19 statewide.Cumberland has 1 program of its own, 1 more across Allegany 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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Only for Cumberland addresses
Cumberland’s own program
Anywhere in AlleganyAnywhere in Allegany County
1 county program1 county program a Cumberland homebuyer can also use
The Cumberland marketThe Cumberland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cumberland
- 58.9% single-familysingle-family
- 8.8% townhousetownhouse
- 15.4% 2–4 units2–4 units
- 16.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. None of Cumberland’s 2 local and county programs list condos as eligible. Cumberland Closing Cost Assistance Grant lists single family. Allegany County Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cumberland’s homes were built
pre-19401970s2020+
86.9%
of Cumberland 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.
$72,700
County area median income, 4 people (HUD)HUD area median income, Allegany County, 4-person household (2026)
$48,162
Cumberland median household incomeMedian household income in Cumberland (Census, 2024)
18 of the 83 programs here set their income limit as a share of Allegany County’s area median income, adjusted for household size. See the published limits for Allegany County
Free help nearbyFree help near Cumberland
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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Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Cumberland questions
Does Cumberland have its own down payment program?
Yes, one: Cumberland Closing Cost Assistance Grant, a assistance grant for first-time homebuyers (income limits). It is for homes inside Cumberland.
Can I use assistance on a condo in Cumberland?
None of Cumberland’s 2 local and county programs list condos as eligible. Cumberland Closing Cost Assistance Grant lists single family. Allegany County Habitat for Humanity 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 Allegany County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Allegany 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 Cumberland?
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
21501 · 21502 · 21503 · 21504 · 21505
Nearby in Allegany
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.