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Habitat for Humanity Metro Maryland Home Purchase Program

Habitat for Humanity Metro Maryland · Montgomery|Prince George's County, Maryland

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Income limit

80% AMI

Of area median income; varies by county and household size

What is 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.

Do you have to pay it back?

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.

Who qualifies?

Habitat for Humanity Metro Maryland Home Purchase 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: Minimum credit score 580 or better. Credit report clear of bankruptcies or foreclosures within last 3 years.
  • A completed homebuyer education course, through Habitat for Humanity Metro Maryland workshops (Finance & Budgeting, Home Maintenance, Community Living)
  • Residency: 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.
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. 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.

The program excludes

  • Manufactured homes
  • 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?

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.

What kind of home can it be used for?

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.

Where does it apply?

Habitat for Humanity Metro Maryland Home Purchase Program serves buyers purchasing in Montgomery|Prince George's County, Maryland.

  • The program targets specific areas: Montgomery County and Prince George's County, Maryland.

How do you apply?

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.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity Metro Maryland workshops (Finance & Budgeting, Home Maintenance, Community Living).

  2. Contact Habitat for Humanity Metro Maryland to reserve funds

    Funds are reserved through Applications open periodically; currently CLOSED as of June 2026. Interest list available at habitatmm.org., 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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