Frederick County Homebuyer Assistance Program (HAP)
Deferred second loan · New construction · Income limits
Down payment assistance · Frederick County
Buying a home in Point of Rocks, MD
3 county programs and 19 statewide.Point of Rocks has no program of its own, 3 across Frederick 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 Point of Rocks
No program of Point of Rocks’s own yet
No program run for Point of Rocks alone is listed. A home in Point of Rocks can use Frederick County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Frederick, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in FrederickAnywhere in Frederick County
3 county programs3 county programs a Point of Rocks homebuyer can use
1 more program is for homes in Frederick. See them 1 program in neighboring cities — for homes inside those cities, not Point of Rocks
- Frederick — City of Frederick Community Partners Incentive Program (CPIP)
The Point of Rocks marketThe Point of Rocks housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Point of Rocks
- 96.1% single-familysingle-family
- 3.9% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. All 3 of Point of Rocks’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Point of Rocks’s homes were built
pre-19401970s2020+
7.3%
of Point of Rocks 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.
$166,100
County area median income, 4 people (HUD)HUD area median income, Frederick County, 4-person household (2026)
$159,708
Point of Rocks median household incomeMedian household income in Point of Rocks (Census, 2024)
20 of the 84 programs here set their income limit as a share of Frederick County’s area median income, adjusted for household size. See the published limits for Frederick County
Free help nearbyFree help near Point of Rocks
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 local programs here ask 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
Point of Rocks questions
Does Point of Rocks have its own down payment program?
No program run for Point of Rocks alone is listed. A home in Point of Rocks can use the 3 programs that cover Frederick County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Point of Rocks?
All 3 of Point of Rocks’s local and county programs accept 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 Frederick County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Frederick 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 Point of Rocks?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Point of Rocks. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21777
Nearby in Frederick
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.