Deferred second loan
Gaithersburg Homebuyer Assistance Loan Program (GHALP)
First-time homebuyers · New construction · Income limits · Single-family detached · Townhouse · Condominium
Down payment assistance · Montgomery County
Buying a home in Gaithersburg, MD
1 Gaithersburg program, 5 county programs and 19 statewide.Gaithersburg has 1 program of its own, 5 more across Montgomery 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.
Find my programs Free · No credit pull · 90 seconds
Only for Gaithersburg addresses
Gaithersburg’s own program
Anywhere in MontgomeryAnywhere in Montgomery County
5 county programs5 county programs a Gaithersburg homebuyer can also use
1 more program is for homes in Rockville. See them 1 program in neighboring cities — for homes inside those cities, not Gaithersburg
- Rockville — City of Rockville Moderately Priced Dwelling Unit (MPDU) Homeownership Program
The Gaithersburg marketThe Gaithersburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gaithersburg
- 18.6% single-familysingle-family
- 29.5% townhousetownhouse
- 1.9% 2–4 units2–4 units
- 49.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. All 6 of Gaithersburg’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gaithersburg’s homes were built
pre-19401970s2020+
31.5%
of Gaithersburg 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, Montgomery County, 4-person household (2026)
$112,467
Gaithersburg median household incomeMedian household income in Gaithersburg (Census, 2024)
18 of the 87 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Gaithersburg
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Gaithersburg questions
Does Gaithersburg have its own down payment program?
Yes, one: Gaithersburg Homebuyer Assistance Loan Program (GHALP), a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Gaithersburg.
Can I use assistance on a condo in Gaithersburg?
All 6 of Gaithersburg’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 Montgomery County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Gaithersburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Gaithersburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
20877 · 20878 · 20879 · 20882 · 20883 · 20884 · 20885 · 20898 · 20899
Nearby in Montgomery
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.