Settlement Expense Loan Program
Deferred second loan · New construction · Income limits
Down payment assistance · Harford County
Buying a home in Havre de Grace, MD
1 county program and 19 statewide.Havre de Grace has no program of its own, 1 across Harford 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 Havre de Grace
No program of Havre de Grace’s own yet
No program run for Havre de Grace alone is listed. A home in Havre de Grace can use Harford County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Baltimore, about 33 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HarfordAnywhere in Harford County
1 county program1 county program a Havre de Grace homebuyer can use
The Havre de Grace marketThe Havre de Grace housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Havre de Grace
- 53.8% single-familysingle-family
- 20.8% townhousetownhouse
- 9.8% 2–4 units2–4 units
- 15.6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Havre de Grace’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Havre de Grace’s homes were built
pre-19401970s2020+
38.9%
of Havre de Grace 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, Harford County, 4-person household (2026)
$105,817
Havre de Grace median household incomeMedian household income in Havre de Grace (Census, 2024)
18 of the 82 programs here set their income limit as a share of Harford County’s area median income, adjusted for household size. See the published limits for Harford County
Free help nearbyFree help near Havre de Grace
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Havre de Grace’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Settlement Expense Loan 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.
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Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Havre de Grace questions
Does Havre de Grace have its own down payment program?
No program run for Havre de Grace alone is listed. A home in Havre de Grace can use the 1 program that cover Harford County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Havre de Grace?
Havre de Grace’s one local program accepts 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 Harford County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Harford 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 Havre de Grace?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Havre de Grace. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21078
Nearby in Harford
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.