Frederick County House Keys 4 Employees (HK4E)

Administered by: Frederick County Division of Housing / Maryland DHCD · County · Deferred Loan

Funding status: Active

How much assistance

Up to $17,000 ($8,500 MMP match + $8,500 county deferred loan) (Deferred Loan)

Zero-interest deferred loan until the home is sold or refinanced. No monthly payments required.

Eligibility

  • Income limits: Must meet Maryland Mortgage Program income limits for Frederick County.
  • First-time buyer required: Yes — Must be a first-time homebuyer using an MMP 1st Time Advantage or Flex 6000 loan.
  • Credit score minimum: 640
  • Geographic restrictions: Must be a full-time regular employee of a participating employer in Frederick County. Must purchase a home in Frederick County.
  • Homebuyer education required: Yes

How to Apply for Frederick County House Keys 4 Employees (HK4E)

Step 1: Verify that your employer participates in the HK4E program. Apply through an MMP-approved lender using a 1st Time Advantage or Flex 6000 loan product. The MMP provides $8,500 and Frederick County matches with an additional $8,500.

Visit program website

Notes

Frederick County Government and the City of Frederick are both participating employers. The City of Frederick version offers up to $8,500 ($3,500 DHCD + $5,000 City). Contact your employer HR department to confirm participation.

Cities Where This Program Is Available