Down payment assistance · Calvert County
Buying a home in Owings, MD
19 statewide.Owings has no 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.
What’s local to Owings
No program of Owings’s own yet
No program run for Owings or for Calvert County alone is listed. A home in Owings can use the Maryland statewide and federal programs below.
The closest city that runs its own program is Bowie, about 17 miles away. City programs usually require the home to be inside that city’s limits.
The Owings marketThe Owings housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Owings
- 95.6% single-familysingle-family
- 0% townhousetownhouse
- 4.4% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Owings’s homes were built
15.8%
of Owings 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.
17 of the 81 programs here set their income limit as a share of Calvert County’s area median income, adjusted for household size. See the published limits for Calvert County
Free help nearbyFree help near Owings
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Owings questions
Does Owings have its own down payment program?
No program run for Owings alone is listed. A home in Owings can use the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Owings?
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 Calvert County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Calvert 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 Owings?
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
20736
Nearby in Calvert
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.