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

Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT) · Frederick, Maryland

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See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Shared appreciation

Settled on the terms set by Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT)

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 buyers who will live in the home as their primary residence.

The program requires

  • 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.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

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 buyers 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.

  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 buyer can take it to a lender or housing counselor.

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