Patuxent Habitat for Humanity Homeownership Program

What is Patuxent Habitat for Humanity Homeownership Program?

Patuxent Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Calvert|St. Mary's County, Maryland, administered by Patuxent Habitat for Humanity.

• Patuxent Habitat for Humanity builds affordable homes in Calvert and St. Mary's Counties in Southern Maryland for families earning 30%-50% of local area median income. Homebuyers receive a 30-year low-interest mortgage averaging $650-$750 per month including escrow, with payments not exceeding 30% of gross monthly income, after completing 250 sweat-equity hours.
• 30-year low-interest mortgage.
• Average monthly payment $650-$750 incl. taxes and insurance.
• No prior construction experience required.
• Disability sweat-equity accommodations.
• Serves Southern Maryland.
• Funding comes from Charitable donations, ReStore sales, volunteers.

Do you have to pay it back?

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

• Repayment is triggered by 30-year mortgage; payments recycled to 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?

Patuxent Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Patuxent Habitat for Humanity Homeownership Program limits household income to 50% of the area median income, which varies by county and household size.

• Household income between 30%-50% of area median income for Calvert and St. Mary's Counties.
• 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?

Patuxent Habitat for Humanity Homeownership Program caps the purchase price as follows: Habitat builds in Calvert and St. Mary's only; build cost approximately $150,000-$190,000.

• Eligible property types include Single Family.
• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

Patuxent Habitat for Humanity Homeownership Program names buyers with disabilities among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Patuxent Habitat for Humanity Homeownership Program serves buyers purchasing in Calvert|St. Mary's County, Maryland.

• The program targets specific areas: Calvert County and St. Mary's County, Maryland only.

How do you apply?

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

1. 1

   Contact Patuxent Habitat for Humanity to reserve funds

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

2. 2

   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.