Worcester County Closing Cost / Down Payment Assistance Loan
Repayable second loan · Income limits
Down payment assistance · Worcester County
Buying a home in Ocean City, MD
1 county program and 19 statewide.Ocean City has no program of its own, 1 across Worcester 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 Ocean City
No program of Ocean City’s own yet
No program run for Ocean City alone is listed. A home in Ocean City can use Worcester County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Annapolis, about 88 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WorcesterAnywhere in Worcester County
1 county program1 county program a Ocean City homebuyer can use
The Ocean City marketThe Ocean City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ocean City
- 11.1% single-familysingle-family
- 11.2% townhousetownhouse
- 5.8% 2–4 units2–4 units
- 69% 5+ unitscondo & apartment buildings (5+ units)
- 2.9% mobile & othermobile home & other
About condos. Ocean City’s one local program does not list condos as eligible. Worcester County Closing Cost / Down Payment Assistance Loan lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ocean City’s homes were built
pre-19401970s2020+
42.3%
of Ocean City 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.
$111,100
County area median income, 4 people (HUD)HUD area median income, Worcester County, 4-person household (2026)
$77,750
Ocean City median household incomeMedian household income in Ocean City (Census, 2024)
18 of the 82 programs here set their income limit as a share of Worcester County’s area median income, adjusted for household size. See the published limits for Worcester County
Free help nearbyFree help near Ocean City
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Ocean City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Worcester County Closing Cost / Down Payment Assistance Loan 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
Ocean City questions
Does Ocean City have its own down payment program?
No program run for Ocean City alone is listed. A home in Ocean City can use the 1 program that cover Worcester County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ocean City?
Ocean City’s one local program does not list condos as eligible. Worcester County Closing Cost / Down Payment Assistance Loan 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 Worcester County?
Each program sets its own. 18 of the programs here set theirs as a share of HUD’s area median income for Worcester 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 Ocean City?
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
21842 · 21843
Nearby in Worcester
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.