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Habitat for Humanity Choptank Homeownership Program

Habitat for Humanity Choptank · Cambridge, Maryland

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What is 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.

Do you have to pay it back?

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.

Who qualifies?

Habitat for Humanity Choptank Homeownership Program 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
  • On credit: No specific credit score; applicants cannot have debts in collection/charge-off or open judgments.
  • A completed homebuyer education course, through Habitat for Humanity Choptank.
  • Residency: 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.

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?

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.

What kind of home can it be used for?

Habitat for Humanity Choptank Homeownership Program can be used for single_family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity Choptank Homeownership Program serves buyers purchasing in Cambridge, Maryland.

  • The program targets specific areas: Talbot and Dorchester Counties.

How do you apply?

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.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity Choptank..

  2. Contact Habitat for Humanity Choptank to reserve funds

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

  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.

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