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Down payment assistance · Howard County
Buying a home in Ellicott City, MD
4 county programs and 19 statewide.Ellicott City has no program of its own, 4 across Howard 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 Ellicott City
No program of Ellicott City’s own yet
No program run for Ellicott City alone is listed. A home in Ellicott City can use Howard County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Baltimore, about 10 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HowardAnywhere in Howard County
4 county programs4 county programs a Ellicott City homebuyer can use
The Ellicott City marketThe Ellicott City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ellicott City
- 54% single-familysingle-family
- 18.9% townhousetownhouse
- 1% 2–4 units2–4 units
- 26% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
Condos count. All 4 of Ellicott City’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ellicott City’s homes were built
pre-19401970s2020+
26.3%
of Ellicott City 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
County area median income, 4 people (HUD)HUD area median income, Howard County, 4-person household (2026)
$156,964
Ellicott City median household incomeMedian household income in Ellicott City (Census, 2024)
21 of the 85 programs here set their income limit as a share of Howard County’s area median income, adjusted for household size. See the published limits for Howard County
Free help nearbyFree help near Ellicott City
17 HUD-approved counseling agencies within 15 miles17 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Ellicott City questions
Does Ellicott City have its own down payment program?
No program run for Ellicott City alone is listed. A home in Ellicott City can use the 4 programs that cover Howard County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ellicott City?
All 4 of Ellicott City’s local and county programs accept condos. 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 Howard County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Howard 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 Ellicott City?
HUD-approved housing counseling agencies teach homebuyer classes, and 17 agencies are within 15 miles of Ellicott City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21041 · 21042 · 21043
Nearby in Howard
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.