Habitat for Humanity of Washington County Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Washington County
Buying a home in Hancock, MD
1 county program and 19 statewide.Hancock has no program of its own, 1 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
What’s local to Hancock
No program of Hancock’s own yet
No program run for Hancock alone is listed. A home in Hancock can use Washington County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Hagerstown, about 25 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WashingtonAnywhere in Washington County
1 county program1 county program a Hancock homebuyer can use
2 more programs are for homes in Hagerstown. See them 2 programs in neighboring cities — for homes inside those cities, not Hancock
- Hagerstown — Down Payment & Closing Cost Assistance - City of Hagerstown
- Hagerstown — Hagerstown Homeownership Initiative
The Hancock marketThe Hancock housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hancock
- 62.6% single-familysingle-family
- 6.4% townhousetownhouse
- 15.8% 2–4 units2–4 units
- 10.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.8% mobile & othermobile home & other
About condos. Hancock’s one local program does not list condos as eligible. 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 Hancock’s homes were built
pre-19401970s2020+
72.7%
of Hancock 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)
$34,886
Hancock median household incomeMedian household income in Hancock (Census, 2024)
18 of the 82 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 Hancock
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Hancock’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Washington County Homeownership Program asks 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
Hancock questions
Does Hancock have its own down payment program?
No program run for Hancock alone is listed. A home in Hancock can use the 1 program that cover Washington County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hancock?
Hancock’s one local program does not list condos as eligible. 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. 18 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 Hancock?
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
21750
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.