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Maryland program

Frederick County Homebuyer Assistance Program (HAP)

Maryland route through Frederick County Division of Housing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Deferred due on exit 2026-04-23
Agency Frederick County Division of Housing
Support type Deferred second mortgage
Amount highlight Current Frederick County HAP materials show up to $10,000 for households at 51% to 80% AMI and up to $12,000 for households at or below 50% AMI, based on funding availability.
Last verified 2026-04-23

Use carefully

Tiered amounts come from the current fact sheet and application set

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The county overview still summarizes HAP as up to $12,000, but the current fact sheet and application set break the assistance into a $10,000 tier for households at 51% to 80% AMI and a $12,000 tier for households at or below 50% AMI.

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Amount

Current Frederick County HAP materials show up to $10,000 for households at 51% to 80% AMI and up to $12,000 for households at or below 50% AMI, based on funding availability.

Type

Deferred second mortgage

Repayment

Current Frederick County HAP materials describe a 0% deferred loan with no monthly payments. The balance becomes due if the home is sold, transferred, refinanced, or no longer owner-occupied as the borrower's primary residence.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers, Local families with limited resources

What support do you get?

Current Frederick County HAP materials show up to $10,000 for households at 51% to 80% AMI and up to $12,000 for households at or below 50% AMI, based on funding availability.

Do you repay it?

Current Frederick County HAP materials describe a 0% deferred loan with no monthly payments. The balance becomes due if the home is sold, transferred, refinanced, or no longer owner-occupied as the borrower's primary residence.

How do you apply?

Have the first lender submit the county application package, complete required HUD-approved first-time-homebuyer education, currently live and/or work in Frederick County, and buy a Frederick County home as a primary residence.

Application timing

Frederick County requires a ratified sales contract before the first lender submits the HAP application, underwrites complete applications first-come, first-served, and says to allow 21 days for processing, approval, and settlement.

Official source evidence

Current Frederick County HAP materials show a tiered 0% deferred loan with up to $10,000 for households at 51% to 80% AMI and up to $12,000 for households at or below 50% AMI, and they now also treat refinance as a repayment trigger.

View official source

Last verified

2026-04-23

2026-02-25 HAP fact sheet and current application

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Comparison preview

Frederick County Homebuyer Assistance Program (HAP)

Amount: Current Frederick County HAP materials show up to $10,000 for households at 51% to 80% AMI and up to $12,000 for households at or below 50% AMI, based on funding availability.

Repayment: Current Frederick County HAP materials describe a 0% deferred loan with no monthly payments. The balance becomes due if the home is sold, transferred, refinanced, or no longer owner-occupied as the borrower's primary residence.

First-time buyer: Required

Timing: Frederick County requires a ratified sales contract before the first lender submits the HAP application, underwrites complete applications first-come, first-served, and says to allow 21 days for processing, approval, and settlement.

Risk checks preview

What gets flagged before you call a lender

  • Frederick County Homebuyer Assistance Program (HAP) can trigger repayment on sale or refinance.
  • Frederick County Homebuyer Assistance Program (HAP) can trigger repayment if owner occupancy changes.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for Frederick County Homebuyer Assistance Program (HAP): refinance, transfer, non_owner_occupancy?
  • How does Frederick County Homebuyer Assistance Program (HAP) define a first-time buyer for this household?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Program page for Frederick County Homebuyer Assistance Program (HAP)
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