Assistance grant
Garrett County First-Time Homebuyer Grant
First-time homebuyers · Income limits
Down payment assistance · Garrett County
Buying a home in Oakland, MD
1 Oakland program and 19 statewide.Oakland has 1 program of its own, 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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Only for Oakland addresses
Oakland’s own program
The Oakland marketThe Oakland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oakland
- 65.1% single-familysingle-family
- 4.2% townhousetownhouse
- 5.2% 2–4 units2–4 units
- 24.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oakland’s homes were built
pre-19401970s2020+
67.7%
of Oakland 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.
$88,300
County area median income, 4 people (HUD)HUD area median income, Garrett County, 4-person household (2026)
$53,289
Oakland median household incomeMedian household income in Oakland (Census, 2024)
17 of the 82 programs here set their income limit as a share of Garrett County’s area median income, adjusted for household size. See the published limits for Garrett County
Free help nearbyFree help near Oakland
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Oakland’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Garrett County First-Time Homebuyer Grant 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
Oakland questions
Does Oakland have its own down payment program?
Yes, one: Garrett County First-Time Homebuyer Grant, a assistance grant for first-time homebuyers (income limits). It is for homes inside Oakland.
Can I use assistance on a condo in Oakland?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Garrett County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Garrett 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 Oakland?
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
21550
Nearby in Garrett
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.