Cumberland Closing Cost Assistance Grant

What is Cumberland Closing Cost Assistance Grant?

Cumberland Closing Cost Assistance Grant is a grant for homebuyers in Cumberland, Maryland, administered by Cumberland Neighborhood Housing Services, Inc. (CNHS).

• Cumberland Neighborhood Housing Services, in cooperation with the City of Cumberland's CDBG program, provides qualified first-time homebuyers a grant to assist with closing costs associated with purchasing a home within the City of Cumberland. The grant is not a loan, places no lien on the property, and never has to be repaid. Award amounts are tiered: $1,000 for households below 80% AMI, $250 for a disabled veteran applicant/spouse, and $1,000 for a Cumberland Housing Revitalization Program purchase.
• Grant never repaid.
• No lien on property.
• Stackable award tiers up to $2,250.
• Extra assistance for disabled veterans.
• This is a federal program, so it is available beyond a single state or city.
• Funding comes from City of Cumberland Community Development Block Grant (CDBG) program (HUD).

How much assistance does it provide?

Cumberland Closing Cost Assistance Grant offers up to $2,250 in assistance.

• Award tiers: Income below 80% AMI: $1,000; Applicant or spouse who is a Disabled Veteran: $250; Cumberland Housing Revitalization Program home purchase: $1,000 (awards may combine, max ~$2,250).
• Amounts are the program's published maximums, not an offer — Cumberland Neighborhood Housing Services, Inc. (CNHS) determines any individual award.

Do you have to pay it back?

Cumberland Closing Cost Assistance Grant is structured as a grant, so it is not repaid.

• Repayment is triggered by None - grant does not have to be repaid.
• The assistance is recorded in No lien placed on the property position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Cumberland Closing Cost Assistance Grant is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Cumberland Closing Cost Assistance Grant limits household income to 80% of the area median income, which varies by county and household size.

• Single-family household income at or below 80% of AMI for Cumberland, MD under the HUD HOME Program.
• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Cumberland Closing Cost Assistance Grant can be used for Single Family.

• New construction is not eligible.

Is there eligibility for specific groups?

Cumberland Closing Cost Assistance Grant names veterans and buyers with disabilities among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Cumberland Closing Cost Assistance Grant is a federal program, so it is not limited to Maryland.

• The program targets specific areas: Additional $1,000 award for purchases made through the Cumberland Housing Revitalization Program.

How do you apply?

Applications for Cumberland Closing Cost Assistance Grant go through Cumberland Neighborhood Housing Services, Inc. (CNHS), 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 CNHS Homebuyer Education Program (certified by Maryland DHCD and HUD); 8-hour class online via Framework Homeownership or in person.

2. 2

   Contact Cumberland Neighborhood Housing Services, Inc. (CNHS) to reserve funds

   Funds are reserved through First-come, first-closed basis; funding anticipated annually but not guaranteed, 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.