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Maryland program

Frederick County House Keys 4 Employees (HK4E)

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 Frederick County matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred county loan for a total of $17,000 in down payment and closing cost assistance.
Last verified 2026-04-23

Use carefully

Current county detail comes from the 2026-02-18 application and fact sheet

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

Current Frederick County HK4E materials dated 2026-02-18 still support the same $17,000 combined assistance structure and continue to require first-time-buyer status, Human Resources verification, and a 21-day county processing window.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Maryland program hub if you need the wider state context.

Amount

Frederick County matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred county loan for a total of $17,000 in down payment and closing cost assistance.

Type

Deferred second mortgage

Repayment

Current Frederick County HK4E materials describe a 0% deferred county match with no monthly payments. The balance becomes due if the home is sold, transferred, refinanced, or no longer owner-occupied as the borrower's principal 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?

Full-time regular Frederick County employees at 1.0 FTE, Borrowers using Maryland Mortgage Program 1st Time Advantage 6000 or Flex 6000, First-time homebuyers, including buyers who have not owned a home in the past three years

What support do you get?

Frederick County matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred county loan for a total of $17,000 in down payment and closing cost assistance.

Do you repay it?

Current Frederick County HK4E materials describe a 0% deferred county match with no monthly payments. The balance becomes due if the home is sold, transferred, refinanced, or no longer owner-occupied as the borrower's principal residence.

How do you apply?

Have the first lender submit the HK4E application package, use a fixed-rate 30-year Maryland Mortgage Program first mortgage, complete HUD-approved homebuyer education, send the Mortgage Verification of Partner Contribution form to Frederick County Human Resources for employer verification, and allow at least 21 days for county processing before closing.

Application timing

Frederick County materials say to allow at least 21 days for county processing before closing.

Official source evidence

Current Frederick County HK4E materials still show a $17,000 combined county-plus-MMP assistance structure, require first-time-buyer status, and use Human Resources verification plus a 21-day county processing window.

View official source

Last verified

2026-04-23

February 18, 2026 HK4E fact sheet and application

Paid preview

What paid access adds for Frederick County House Keys 4 Employees (HK4E)

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Comparison preview

Frederick County House Keys 4 Employees (HK4E)

Amount: Frederick County matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred county loan for a total of $17,000 in down payment and closing cost assistance.

Repayment: Current Frederick County HK4E materials describe a 0% deferred county match with no monthly payments. The balance becomes due if the home is sold, transferred, refinanced, or no longer owner-occupied as the borrower's principal residence.

First-time buyer: Required

Timing: Frederick County materials say to allow at least 21 days for county processing before closing.

Risk checks preview

What gets flagged before you call a lender

  • Frederick County House Keys 4 Employees (HK4E) must be paired with a specific first mortgage.
  • Frederick County House Keys 4 Employees (HK4E) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with Frederick County House Keys 4 Employees (HK4E), and what breaks eligibility?
  • Which events trigger repayment for Frederick County House Keys 4 Employees (HK4E): refinance, transfer, non_owner_occupancy?

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 House Keys 4 Employees (HK4E)
Open the full Maryland board

Paid research preview

What paid research already covers in Maryland

Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Maryland.

5 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

1 tracked

public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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