Maryland program
Maryland route through Frederick County Division of Housing. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
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Up to $12,000 in down payment and closing cost assistance, based on funding availability.
Deferred second mortgage
The official Frederick County fact sheet states HAP loans are 0% interest and deferred, and become due upon sale, transfer, or when the home is no longer the borrower's primary residence.
Required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyers, Local families with limited resources
Up to $12,000 in down payment and closing cost assistance, based on funding availability.
The official Frederick County fact sheet states HAP loans are 0% interest and deferred, and become due upon sale, transfer, or when the home is no longer the borrower's primary residence.
Have the first lender submit the application on the homebuyer's behalf and complete required first-time homebuyer education from a HUD-approved housing counseling agency, which is locally conducted through the City of Frederick.
Official Frederick County materials state that HAP provides up to $12,000 in down payment and closing cost assistance and that the loan is 0% interest, deferred, and due upon sale, transfer, or when the home is no longer the primary residence.
2026-04-19
Effective date not captured.
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Comparison preview
Amount: Up to $12,000 in down payment and closing cost assistance, based on funding availability.
Repayment: The official Frederick County fact sheet states HAP loans are 0% interest and deferred, and become due upon sale, transfer, or when the home is no longer the borrower's primary residence.
First-time buyer: Required
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Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Maryland.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
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City and county down payment or closing-cost programs that never make it into the free statewide layer.
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Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
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Public employee or pension-backed mortgage angles that need slower source review.
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Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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