First Time Home Buyers Settlement Expense Loan Program (SELP)
Deferred second loan · New construction · Income limits
Down payment assistance · Charles County
Buying a home in St. Charles, MD
2 county programs and 19 statewide.St. Charles has no program of its own, 2 across Charles County, and 19 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to St. Charles
No program of St. Charles’s own yet
No program run for St. Charles alone is listed. A home in St. Charles can use Charles County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Bowie, about 25 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CharlesAnywhere in Charles County
2 county programs2 county programs a St. Charles homebuyer can use
Income limits in Charles County
How programs here set their income limits
$166,100
County area median income, 4 people (HUD)HUD area median income, Charles County, 4-person household (2026)
19 of the 83 programs here set their income limit as a share of Charles County’s area median income, adjusted for household size. See the published limits for Charles County
Free help nearbyFree help near St. Charles
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
St. Charles questions
Does St. Charles have its own down payment program?
No program run for St. Charles alone is listed. A home in St. Charles can use the 2 programs that cover Charles County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in St. Charles?
All 2 of St. Charles’s local and county programs accept condos. 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 Charles County?
Each program sets its own. 19 of the programs here set theirs as a share of HUD’s area median income for Charles 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 St. Charles?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of St. Charles. Create a free account and take the 90-second match to see the ones near you.
Nearby in Charles
Sources
Sources: agency sites (June–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.