Up to $10,000 Homebuyer Assistance Program (HAP)!

Frederick County Home Buyers can receive up to $10,000 in Down Payment and Closing Cost Assistance

With Millennial Home Loans quick online loan application, determining if you qualify for a Frederick County HAP Loan and for how much, has never been easier.

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The Frederick County Homebuyer Assistance Program or HAP is creating homeownership opportunities throughout Frederick County Maryland, with down payment assistance up to $10,000, for eligible first time Home Buyers purchasing a home in Frederick County. Home buyer must currently either live or work in Frederick County. Minimum contribution from the home buyer is only $500.

The Frederick County Homebuyer Assistance Program (HAP) offers the following benefits:

  • Down payment and closing cost assistance loan up to $10,000
  • 0% interest rate and deferred repayment on the down payment assistance amount
  • Minimum investment by the home buyer of $500
  • Only must be paid back when you sell, refinance, or convert the property to an investment property
  • Can be used in conjunction with a FHA, VA, or conventional loan
  • Available for all property types, including existing homes and new construction
  • Easy and Simple Process. Lenders submits all paperwork to Frederick County; the Home Buyer only needs to take a first-time buyer's class


Household SizeHomebuyer Assistance Program $10,000 Loan 50% AMI* Maximum Household Income Homebuyer Assistance Program $8,000 Loan 80% AMI* Maximum Household Income
1 $41,050 $54,250
2 $46,900 $62,000
3 $52,750 $69,750
4 $58,600 $77,450
5 $63,300 $83,650
6 $68,000 $89,850
7 $72,700 $96,050
8 $77,400 $102,250
* Note: Frederick County Area Median Income (AMI) is the HUD Washington Metropolitan Statistical Area (MSA) median income.

How to start the Frederick County Homebuyer Assistance Program (HAP):

  • Apply for your first trust mortgage loan. To obtain your preliminary approval for the first trust mortgage loan call (410) 552-5912 or Click Here to apply online
  • Note, approval of your first trust mortgage loan does not guarantee approval of your loan application for the HAP Loan
  • Attend an 8-hour housing counseling course provided by a HUD Certified Housing Counseling Agency, such as Frederick Community Action Agency (301) 600-1506
  • Enter into a Purchase Contract, with a minimum settlement date of 60 days from contract ratification
  • Obtain a home inspection completed by a licensed inspector
  • Lender to order a home appraisal report
  • First trust lender approves the loan, subject to the approval of the HAP Loan
  • HAP Loan submission is made, with a minimum 21 business days remaining on the sales agreement, in order for the submission to be accepted by the HAP Loan Underwriter
  • Purchase a one year home warranty, to be paid for at settlement
  • If the house was built prior to 1978 obtain lead inspection of the property
  • HAP Loan is approved, settlement date is scheduled, and the loan closes