Frederick County Homebuyer Assistance Program (HAP)
Frederick County Division of Housing (Department of Housing and Community Development)
Deferred second loan · New construction · Income limits
Down payment assistance
85 programs a Thurmont buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.
Free forever · No credit pull · 90 seconds
Programs available
Open to first-time buyers
Forgivable
Largest award
Frederick County Division of Housing (Department of Housing and Community Development)
Deferred second loan · New construction · Income limits
Frederick County Division of Housing
Deferred second loan · New construction · Income limits
Frederick Community Action Agency (FCAA), City of Frederick Housing and Human Services
Deferred second loan · Income limits
Habitat for Humanity of Frederick County, Maryland / Frederick County Affordable Housing Land Trust (FCAHLT)
Shared-appreciation loan · New construction · Income limits
Assistance grant · New construction · Income limits
Wells Fargo Bank, N.A.
Assistance grant · Income limits
Rocket Mortgage, LLC
Assistance grant · Income limits
Deferred second loan · New construction · Income limits
JPMorgan Chase Bank, N.A.
Assistance grant · Income limits
PNC Bank, N.A.
Assistance grant · Income limits
TD Bank, N.A.
Assistance grant · Income limits
Maryland DHCD, Community Development Administration, Maryland Mortgage Program
Deferred second loan
Deferred second loan · New construction · Income limits
Deferred second loan · New construction · Income limits
Deferred second loan · New construction · Income limits
Deferred second loan · New construction · Income limits
Deferred second loan · New construction · Income limits
Forgivable loan · New construction · Income limits
M&T Bank (Manufacturers and Traders Trust Company)
Assistance grant · Income limits
Deferred second loan · Income limits
Forgivable loan · Forgiven over 5 yrs · Income limits
Deferred second loan · New construction · Income limits
Deferred second loan · New construction · Income limits
Assistance grant · Income limits
First mortgage
Assistance grant · Income limits
Deferred second loan · Forgiven over 3 yrs · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant
Forgivable loan · Forgiven over 5 yrs · Income limits
Deferred second loan · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant
Forgivable loan · Forgiven over 5 yrs · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · New construction
Forgivable loan · Forgiven over 3 yrs · Income limits
Deferred second loan · Income limits
Assistance grant · Income limits
Assistance grant · New construction · Income limits
Assistance grant
Deferred second loan · Forgiven over 3 yrs · Income limits
Assistance grant
Assistance grant
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Shared-appreciation loan · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Deferred second loan · Income limits
Forgivable loan · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant
Assistance grant · New construction · Income limits
Assistance grant
Assistance grant
Assistance grant · Forgiven over 3 yrs · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
Assistance grant · Income limits
First mortgage · Income limits
Assistance grant · Income limits
What’s local to Thurmont
There are no programs run by Thurmont itself. A Thurmont buyer uses Frederick County’s programs, plus the statewide and federal ones above — all of which are open to them.
The closest city that runs its own program is Frederick, about 14 miles away. City programs usually require the home to be inside that city’s limits — worth checking if you’re still choosing where to buy.
HUD puts the 2026 area median income for Frederick County at $166,100 for a four-person household. 20 of the programs listed here set an income limit as a percentage of that figure, which is why the same program admits a different income in a different county. Published limits for Maryland →
90-second match
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
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