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Homeownership for Individuals with Disabilities
MD Dept. of Housing & Community Development (DHCD)


Single Family Housing


Program Overview

Homeownership for Individuals with Disabilities is a loan targeted to borrowers or a son or daughter) with a physical or mental impairment that substantially limits a major life activity. (Dependence on drugs or alcohol is not an eligible disability.) Available statewide.

Property Eligibility Requirements

Available statewide.

The sales price cannot exceed $ 289,470 in Allegany, Caroline & Dorchester, $287,257 in the non-targeted areas of Wicomico County and $300,000 in all other areas..

Allowable property types: Existing homes or newly-constructed homes in a priority funding area.

Benefit Details

Benefit: Interest rate is 2.75%- 4.75% based on borrower qualifying at 30% housing expense ratio. Maximum DTI is 38%. (Some compensating factors are considered.
Loan Term:40 years
Homebuyer Counseling /
Education Required:
Owner Occupancy Required:Yes
Other Program Comments:Minimum credit score is 600; $1,000 processing fee may be financed; $500 minimum cash contribution may be gifted; no mortgage insurance.

Please note: Every attempt is made to reflect accurate and up to date information on housing programs displayed on this site. Some inaccuracies may exist. For verification contact a certified REALTOR member or a participating Lender.

For more information about this and other homebuyer programs please contact one of the following:

Workforce Housing Certified REALTOR®


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