Habitat for Humanity Metro Maryland Home Purchase Program

Habitat for Humanity Metro Maryland Home Purchase Program is a first mortgage for homebuyers in Montgomery|Prince George's County, Maryland, administered by Habitat for Humanity Metro Maryland. Habitat for Humanity Metro Maryland's Home Purchase Program provides affordable homeownership to income-qualified families in Montgomery and Prince George's Counties through the purchase of Habitat-built or rehabilitated homes. Families earn 30%-80% AMI and must demonstrate housing need, willingness to partner (sweat equity up to 500 hours), and ability to pay an affordable mortgage. Applications open periodically and are currently closed as of June 2026; an email interest list is available. Affordable Habitat-built or rehabilitated home. Affordable monthly mortgage payments. Financial coaching and homebuyer workshops. Sweat equity in lieu of down payment.

Habitat for Humanity Metro Maryland Home Purchase Program is a first mortgage and is repaid under the terms set by Habitat for Humanity Metro Maryland. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity Metro Maryland Home Purchase Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Minimum credit score 580 or better. Credit report clear of bankruptcies or foreclosures within last 3 years. A homebuyer education course is required, through Habitat for Humanity Metro Maryland workshops (Finance & Budgeting, Home Maintenance, Community Living). Residency requirement: Applicant and co-applicant must have lived or worked in Montgomery County or Prince George's County for at least 12 months immediately preceding application. Citizenship or immigration status: Lawful permanent resident of the United States or US Citizen. APPLICATIONS CURRENTLY CLOSED as of June 2026; join email notification list at habitatmm.org. Sweat equity: 1st adult 200 hours, each additional adult 100 hours, young adults (16-17) 50 hours; max 500 per family; >=50% on construction site. Criminal background check for all occupants 18+. Family Selection Committee monthly; final Board approval.

Habitat for Humanity Metro Maryland Home Purchase Program limits household income to 80% of the area median income, which varies by county and household size. Annual household income between 30% and 80% AMI (Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area). Each project may have different limits based on home sales price. 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 Metro Maryland Home Purchase Program can be used for Single Family and Townhouse. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity Metro Maryland Home Purchase Program serves homebuyers purchasing in Montgomery|Prince George's County, Maryland. The program targets specific areas: Montgomery County and Prince George's County, Maryland.

Applications for Habitat for Humanity Metro Maryland Home Purchase Program go through Habitat for Humanity Metro Maryland, which publishes the current terms and the application steps on its own site. Funds are reserved through Applications open periodically; currently CLOSED as of June 2026. Interest list available at habitatmm.org. 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.