Allegany County Habitat for Humanity Homeownership Program

What is Allegany County Habitat for Humanity Homeownership Program?

Allegany County Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Allegany County, Maryland, administered by Allegany County Habitat for Humanity.

• Allegany County Habitat for Humanity builds and renovates affordable homes for low-to-moderate-income families in Western Maryland. Selected partner families receive a zero-interest or below-market 30-year mortgage with monthly payments affordable relative to household income, after completing 200 sweat-equity hours. An active 2026 build project is underway.
• Zero-interest 30-year mortgage.
• Affordable monthly payment relative to income.
• Homeownership and finance education included.
• Active 2026 build project.
• Serves Western Maryland.
• Funding comes from Charitable donations, ReStore sales (LaVale), grants.

Do you have to pay it back?

Allegany County Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Allegany County Habitat for Humanity.

• Repayment is triggered by 30-year mortgage payments fund future Habitat builds; kept affordable relative to income.
• The assistance is recorded in 1st position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Allegany County Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

What kind of home can it be used for?

Allegany County Habitat for Humanity Homeownership Program can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Allegany County Habitat for Humanity Homeownership Program serves buyers purchasing in Allegany County, Maryland.

• The program targets specific areas: Allegany County, Maryland (Cumberland and surrounding Western Maryland communities).

How do you apply?

Applications for Allegany County Habitat for Humanity Homeownership Program go through Allegany County Habitat for Humanity, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Allegany County Habitat for Humanity (homeownership and finance classes count toward sweat equity).

2. 2

   Contact Allegany County Habitat for Humanity to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.