Mortgage Assistance Program (MAP)
Deferred second loan · New construction · Income limits
Down payment assistance · Anne Arundel County
Buying a home in Lake Shore, MD
1 county program and 19 statewide.Lake Shore has no program of its own, 1 across Anne Arundel 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 Lake Shore
No program of Lake Shore’s own yet
No program run for Lake Shore alone is listed. A home in Lake Shore can use Anne Arundel County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Annapolis, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Anne ArundelAnywhere in Anne Arundel County
1 county program1 county program a Lake Shore homebuyer can use
1 more program is for homes in Annapolis. See them 1 program in neighboring cities — for homes inside those cities, not Lake Shore
- Annapolis — MPDU Settlement Expense Assistance Program
The Lake Shore marketThe Lake Shore housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lake Shore
- 80.3% single-familysingle-family
- 9% townhousetownhouse
- 3.1% 2–4 units2–4 units
- 7.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
Condos count. Lake Shore’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lake Shore’s homes were built
pre-19401970s2020+
53.2%
of Lake Shore 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, Anne Arundel County, 4-person household (2026)
$130,689
Lake Shore median household incomeMedian household income in Lake Shore (Census, 2024)
18 of the 82 programs here set their income limit as a share of Anne Arundel County’s area median income, adjusted for household size. See the published limits for Anne Arundel County
Free help nearbyFree help near Lake Shore
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
Lake Shore’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Mortgage Assistance Program (MAP) 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
Lake Shore questions
Does Lake Shore have its own down payment program?
No program run for Lake Shore alone is listed. A home in Lake Shore can use the 1 program that cover Anne Arundel County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lake Shore?
Lake Shore’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 Anne Arundel County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Anne Arundel 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 Lake Shore?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Lake Shore. Create a free account and take the 90-second match to see the ones near you.
Nearby in Anne Arundel
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.