Deferred second loan
Down Payment & Closing Cost Assistance - City of Hagerstown
Income limits · Single-family detached · Townhouse · Condominium
Down payment assistance · Washington County
Buying a home in Hagerstown, MD
2 Hagerstown programs, 1 county program and 19 statewide.Hagerstown has 2 programs of its own, 1 more across Washington 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 Hagerstown addresses
Hagerstown’s own programs
Deferred second loan
Hagerstown Homeownership Initiative
First-time homebuyers · Income limits · Single-family detached · Townhouse · Condominium
Anywhere in WashingtonAnywhere in Washington County
1 county program1 county program a Hagerstown homebuyer can also use
The Hagerstown marketThe Hagerstown housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hagerstown
- 33.3% single-familysingle-family
- 29.7% townhousetownhouse
- 14.4% 2–4 units2–4 units
- 22% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. 2 of Hagerstown’s 3 local and county programs accept condos. Habitat for Humanity of Washington County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hagerstown’s homes were built
pre-19401970s2020+
67.5%
of Hagerstown 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.
$105,100
County area median income, 4 people (HUD)HUD area median income, Washington County, 4-person household (2026)
$52,221
Hagerstown median household incomeMedian household income in Hagerstown (Census, 2024)
19 of the 84 programs here set their income limit as a share of Washington County’s area median income, adjusted for household size. See the published limits for Washington County
Free help nearbyFree help near Hagerstown
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.All 3 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
Hagerstown questions
Does Hagerstown have its own down payment program?
Yes, 2: Down Payment & Closing Cost Assistance - City of Hagerstown and Hagerstown Homeownership Initiative. Each is for homes inside Hagerstown.
Can I use assistance on a condo in Hagerstown?
2 of Hagerstown’s 3 local and county programs accept condos. Habitat for Humanity of Washington County 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 Washington County?
Each program sets its own. 19 of the programs here set theirs as a share of HUD’s area median income for Washington 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 Hagerstown?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Hagerstown. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21740 · 21741 · 21742 · 21746 · 21747 · 21748 · 21749
Nearby in Washington
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.