Deferred second loan
City of Frederick Community Partners Incentive Program (CPIP)
First-time homebuyers · Income limits
Down payment assistance · Frederick County
Buying a home in Frederick, MD
2 Frederick programs, 2 county programs and 19 statewide.Frederick has 2 programs of its own, 2 more across Frederick 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 Frederick addresses
Frederick’s own programs
Shared-appreciation loan
Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County)
New construction · Income limits · single_family · condo
Anywhere in FrederickAnywhere in Frederick County
2 county programs2 county programs a Frederick homebuyer can also use
The Frederick marketThe Frederick housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Frederick
- 31.8% single-familysingle-family
- 32.5% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 30.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Frederick’s homes were built
pre-19401970s2020+
34.9%
of Frederick 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.
$166,100
County area median income, 4 people (HUD)HUD area median income, Frederick County, 4-person household (2026)
$97,069
Frederick median household incomeMedian household income in Frederick (Census, 2024)
20 of the 85 programs here set their income limit as a share of Frederick County’s area median income, adjusted for household size. See the published limits for Frederick County
Free help nearbyFree help near Frederick
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 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
Frederick questions
Does Frederick have its own down payment program?
Yes, 2: City of Frederick Community Partners Incentive Program (CPIP) and Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County). Each is for homes inside Frederick.
Can I use assistance on a condo in Frederick?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Frederick County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Frederick 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 Frederick?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Frederick. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21701 · 21702 · 21703 · 21704 · 21705 · 21709
Nearby in Frederick
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.