Frederick County Division of Housing

Frederick County House Keys 4 Employees (HK4E)

Up to $8,500 toward a down payment in MD.

Location: MD
Type: Deferred loan
Max assistance: $8,500
Income limit: $229,460
First-time buyer: Required
Property types: Single family, Townhouse, Condo, Manufactured

House Keys 4 Employees (HK4E) is a Frederick County program for full-time regular Frederick County Government employees who use a Maryland Mortgage Program 1st Time Advantage or Flex 6000 loan. The county matches the MMP $8,500 Partner Match with an additional $8,500 0% deferred loan, for $17,000 total in down payment and/or closing cost assistance. No monthly payments are required; the loan is repayable on sale, refinance, transfer, or loss of primary-residence status.

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Free course from Hey Prescott

Frederick County House Keys 4 Employees (HK4E), explained

A short, free course on Frederick County House Keys 4 Employees (HK4E): 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

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