Habitat for Humanity of the Chesapeake Homeownership Program

What is Habitat for Humanity of the Chesapeake Homeownership Program?

Habitat for Humanity of the Chesapeake Homeownership Program is a first mortgage for homebuyers in Baltimore City|Baltimore|Anne Arundel|Howard County, Maryland, administered by Habitat for Humanity of the Chesapeake.

• Habitat for Humanity of the Chesapeake builds and renovates 2-3 bedroom homes with central air and new appliances for income-qualified families in Central Maryland, primarily Baltimore City with additional homes in surrounding counties. Homebuyers receive an affordable 30-year mortgage with payments within 30% of household income, and must complete 250 sweat-equity hours including 50 hours of homebuyer education.
• Affordable 30-year mortgage below 30% of household income.
• New or fully renovated 2-3 bedroom homes with central AC.
• Serves Baltimore City and surrounding counties.
• Online pre-qualification after info session.
• Funding comes from Charitable donations, ReStore sales, grants.

Do you have to pay it back?

Habitat for Humanity of the Chesapeake Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of the Chesapeake.

• Repayment is triggered by 30-year affordable mortgage; monthly payments fund future Habitat builds.
• The assistance is recorded in 1st position.
• 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 of the Chesapeake Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity of the Chesapeake Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

• 30%-80% AMI; April 2025 HUD Baltimore-Columbia-Towson 4-person min $40,200 max $106,800.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• 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 of the Chesapeake Homeownership Program can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity of the Chesapeake Homeownership Program serves buyers purchasing in Baltimore City|Baltimore|Anne Arundel|Howard County, Maryland.

• The program targets specific areas: Primarily Baltimore City (Mt. Winans and surrounding neighborhoods); additional homes in Baltimore, Anne Arundel, and Howard Counties.
• Targeted neighborhoods: Mt. Winans (Baltimore City) and other Central Maryland neighborhoods.

How do you apply?

Applications for Habitat for Humanity of the Chesapeake Homeownership Program go through Habitat for Humanity of the Chesapeake, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat for Humanity of the Chesapeake (50 hours homebuyer education required as part of 250 total sweat equity hours).

2. 2

   Contact Habitat for Humanity of the Chesapeake to reserve funds

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

3. 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.