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Frederick County Division of Housing (Department of Housing and Community Development)

Frederick County Homebuyer Assistance Program (HAP)

Up to $12,000 toward a down payment in MD.

See if I qualify
Location
MD
Type
Deferred loan
Max assistance
$12,000
Income limit
$131,100
First-time buyer
Required
Property types
Single family, Townhouse, Condo, Manufactured

The Frederick County Homebuyer Assistance Program (HAP) helps local low- and moderate-income families buy their first home by providing up to $12,000 in down payment and closing cost assistance. Assistance is a 0% interest deferred loan secured by a lien, repayable on sale, refinance, transfer, or when the home is no longer the borrower's primary residence. It must be paired with a state or federal first mortgage (FHA, VA, USDA, or CDA/MMP) and may be combined with other assistance programs.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Frederick County Homebuyer Assistance Program (HAP), explained

A short, free course on Frederick County Homebuyer Assistance Program (HAP): what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from August 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.