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Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County)

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) is a shared-appreciation loan for homebuyers in Frederick, Maryland, administered by Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT).

Last verified Source: Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT)
Check if this fits me Official program site ↗

The program asks for

  • The home is occupied as a primary residence
  • Residency: Frederick County residents.
  • Community land trust homeownership for ~30%-80% AMI households who cannot get a traditional mortgage; sweat equity; resale restrictions. NOTE: CLT program, not stand-alone cash DPA; specific subsidy terms not published.
  • A home in Frederick County

It doesn’t cover

  • Households above 80% of area median income
  • Homes outside Frederick 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.

Income limit

80% of Frederick County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$166,100
Area median income, 4-person household (HUD, 2026)
Income limits in Maryland

Where it applies

Frederick County’s homes

  • 60.1% single-family
  • 22% townhouse
  • 2.8% 2–4 units
  • 14.5% 5+ units
  • 0.6% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$464,600

Frederick County median home value

34.5%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Frederick County

How to apply

  1. Contact Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT) to reserve funds

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

  2. 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 Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County)?

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) is a shared-appreciation loan for homebuyers in Frederick, Maryland, administered by Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT). Habitat for Humanity of Frederick County partners with income-qualified Frederick County residents (generally 30%-80% AMI) who cannot qualify for a traditional mortgage to achieve homeownership through a community land trust. The land trust retains the land to keep homes permanently affordable; buyers contribute sweat equity and pay an affordable mortgage. Purchase of a permanently affordable home at below-market cost through a land trust, with an affordable mortgage.

Do you have to pay it back?

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) is a shared-appreciation loan and is repaid under the terms set by Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT). Repayment is triggered by Resale subject to land-trust affordability/resale restrictions. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) is open to homebuyers who will live in the home as their primary residence. Residency requirement: Frederick County residents. Community land trust homeownership for ~30%-80% AMI households who cannot get a traditional mortgage; sweat equity; resale restrictions. NOTE: CLT program, not stand-alone cash DPA; specific subsidy terms not published.

What are the income limits?

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) limits household income to 80% of the area median income, which varies by county and household size. Targets Frederick County residents within roughly 30%-80% AMI who cannot qualify for a traditional mortgage. 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?

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) can be used for single_family and condo. New construction is eligible.

Where does it apply?

Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) serves homebuyers purchasing in Frederick, Maryland.

How do you apply?

Applications for Frederick County Affordable Housing Land Trust Homeownership Program (Habitat for Humanity of Frederick County) go through Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT), 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 Frederick County homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 79 programs for Frederick County

Program terms are set by Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT) and can change; confirm on the official site before you apply.