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Homeownership Programs

We want to work with you as partners towards the purchase of your first home.  Please see the below chart for information on HACF and other local home buying programs.

Program Contact Person Phone Description

Hope VI

Kimberly Ashkenazi


Buyers secure a first mortgage from a private lender and HOPE VI provides a silent second mortgage to cover the balance of the purchase price (up to $175,000).  Payment is not required on the second mortgage until the home is sold. Eligible properties are available in Northpointe and Lucas Village.

Housing Choice Voucher / Section 8

Ayesha Johnson


Program participants are able to use their voucher towards a mortgage.  Basic requirements include using the rental voucher successfully for one year, being consistently employed full-time for one year before homeownership assistance begins (elderly and disabled exempt) and must be able to contribute 1% of the purchase price from personal funds.  Voucher holders may purchase a home of their choice anywhere within Frederick County.

USDA 502 Rural Housing Loan Program

Bonnie Rohrer


Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.  No downpayment is required and the interest rate can be subsidized based on income.  The home must be located outside of Frederick City limits.

Frederick County Department of Housing and Community Development (DHCD)

Heather Sutton


Frederick County DHCD offers many programs to assist with home purchases, as well as downpayment and closing cost assistance.  Current popular programs include the Homebuyer Assistance program and HOME Initiative Program.  For more details, go to www.frederickcountymd.gov/housing.

City of Frederick – Community Development Block Grant (CDBG)

Eileen Barnhard


CDBG currently offers first time homebuyers up to $8,000 for homebuying and closing cost assistance. 

State of Maryland



The State has several programs available to first time homebuyers.  Two popular programs are the Marlyand Mortgage Program and the Individuals with Disabilities Loan Program.  Each program has its own eligibility criteria and terms, which are subject to change.  The State also offers downpayment and closing cost assistance programs.

Habitat for Humanity

Jennifer Minnick


Habitat for Humanity offers homes to eligible homebuyers who are able to contribute between 300 and 500 hours of sweat equity into the building or repair of their home.