Repayable second loan
Wicomico County Closing Cost / Down Payment Assistance Loan (Salisbury Neighborhood Housing Services)
Income limits · single_family · townhouse · condo
Down payment assistance · Wicomico County
Buying a home in Salisbury, MD
3 Salisbury programs, 1 county program and 19 statewide.Salisbury has 3 programs of its own, 1 more across Wicomico County, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Salisbury addresses
Salisbury’s own programs
Forgivable loan
Closing Cost and Downpayment Grants
First-time homebuyers · Income limits · Single-family detached · Townhome · Rowhouse
Deferred second loan
Closing Cost Loans
New construction · Income limits · Single-family detached · Townhome · Rowhouse
Anywhere in WicomicoAnywhere in Wicomico County
1 county program1 county program a Salisbury homebuyer can also use
The Salisbury marketThe Salisbury housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Salisbury
- 37.9% single-familysingle-family
- 12.8% townhousetownhouse
- 13.2% 2–4 units2–4 units
- 35.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. 3 of Salisbury’s 4 local and county programs accept condos. Habitat for Humanity of Wicomico County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Salisbury’s homes were built
pre-19401970s2020+
45.9%
of Salisbury homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$104,700
County area median income, 4 people (HUD)HUD area median income, Wicomico County, 4-person household (2026)
$58,576
Salisbury median household incomeMedian household income in Salisbury (Census, 2024)
21 of the 85 programs here set their income limit as a share of Wicomico County’s area median income, adjusted for household size. See the published limits for Wicomico County
Free help nearbyFree help near Salisbury
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Salisbury questions
Does Salisbury have its own down payment program?
Yes, 3: Wicomico County Closing Cost / Down Payment Assistance Loan (Salisbury Neighborhood Housing Services), Closing Cost and Downpayment Grants and Closing Cost Loans. Each is for homes inside Salisbury.
Can I use assistance on a condo in Salisbury?
3 of Salisbury’s 4 local and county programs accept condos. Habitat for Humanity of Wicomico County Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Wicomico County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Wicomico County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Salisbury?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Salisbury. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21801 · 21802 · 21803 · 21804
Nearby in Wicomico
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.