Habitat for Humanity Choptank Homeownership Program

Habitat for Humanity Choptank Homeownership Program is down payment assistance for homebuyers in Cambridge, Maryland, administered by Habitat for Humanity Choptank. Habitat for Humanity Choptank offers income-qualified residents of Talbot and Dorchester Counties the opportunity to purchase a newly constructed or rehabbed Habitat home with affordable mortgage financing. Buyers complete 200-300 hours of sweat equity, attend homebuyer education, and save toward closing costs. Access to an affordable Habitat mortgage to purchase a new construction or rehabbed home, kept affordable to the buyer; homebuyer education and counseling included.

Habitat for Humanity Choptank Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity Choptank. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity Choptank Homeownership Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: No specific credit score; applicants cannot have debts in collection/charge-off or open judgments. A homebuyer education course is required, through Habitat for Humanity Choptank. Residency requirement: Applicant must have lived and/or worked in Talbot or Dorchester County for at least six months. Sweat-equity model (200-300 hours), residency/work in Talbot or Dorchester County 6+ months, background screening, 43% max DTI. NOTE: homeownership/affordable-mortgage program, not a stand-alone cash DPA.

Habitat for Humanity Choptank Homeownership Program sets its income limit as follows: Income within program guidelines based on gross monthly household income (see July 2025 income table). 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.

Habitat for Humanity Choptank Homeownership Program can be used for single_family. New construction is eligible.

Habitat for Humanity Choptank Homeownership Program serves homebuyers purchasing in Cambridge, Maryland. The program targets specific areas: Talbot and Dorchester Counties.

Applications for Habitat for Humanity Choptank Homeownership Program go through Habitat for Humanity Choptank, 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.