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.
The program asks for
- The home is occupied as a primary residence
- A completed homebuyer education course, through Allegany County Habitat for Humanity (homeownership and finance classes count toward sweat equity)
- Citizenship or immigration status: US citizen or permanent legal resident
- 200 sweat equity hours; must demonstrate inadequate current housing; budget development assistance provided; income limits not published — assessed case by case.
- A home in Allegany County
It doesn’t cover
- Manufactured homes
- Homes outside Allegany County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Where it applies
Allegany County’s homesAllegany County’s homes, and the ones this program accepts
- 71.6% single-familysingle-family
- 5.2% townhousetownhouse
- 7.9% 2–4 units2–4 units
- 10.8% 5+ unitscondo & apartment buildings (5+ units)
- 4.5% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$154,900
Allegany County median home value
77.2%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Allegany County
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program, through Allegany County Habitat for Humanity (homeownership and finance classes count toward sweat equity).
Contact Allegany County Habitat for Humanity to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this 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 homebuyers who will live in the home as their primary residence. A homebuyer education course is required, through Allegany County Habitat for Humanity (homeownership and finance classes count toward sweat equity). Citizenship or immigration status: US citizen or permanent legal resident. 200 sweat equity hours; must demonstrate inadequate current housing; budget development assistance provided; income limits not published — assessed case by case.
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 homebuyers 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. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Allegany County homebuyersOther programs open to Allegany County homebuyers
Whether two programs can be combined is up to each agency. Ask before you apply.
All 77 programs for Allegany CountyProgram terms are set by Allegany County Habitat for Humanity and can change; confirm on the official site before you apply.