Habitat for Humanity of the Chesapeake Homeownership Program
Funding status: Active
How much assistance
Affordable mortgage with below-market terms (Zero-Interest Loan)
Affordable mortgage structured with Habitat for Humanity. Terms vary based on household income and ability to repay.
Eligibility
- Income limits: Household income between 30% and 80% of Area Median Income (AMI).
- First-time buyer required: No
- Geographic restrictions: Serves Baltimore City, Baltimore County, Anne Arundel County, and Howard County.
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity of the Chesapeake Homeownership Program
Step 1: Apply through Habitat for Humanity of the Chesapeake. Must complete sweat equity hours: 250 hours for individual buyers (200 volunteer service + 50 homebuyer education), 350 hours for two-adult households.
Notes
Habitat builds and rehabilitates homes in partnership with qualifying families. Must demonstrate stable, verifiable employment. Bankruptcies must be discharged for 2+ years.