Habitat for Humanity of Frederick County, Maryland commits to partnering with the local community to build and sell homes at prices well below market value to qualified buyers. Future homeowners contribute sweat equity, attend homeownership and financial training workshops, and follow program guidelines to obtain a mortgage.


All prospective Habitat homeowners must meet the requirements below. Selected future homeowners undertake financial and homeowner education, receive assistance with mortgage applications and homebuyer assistance programs.

Eligibility Requirements

  • Currently live or work in Frederick County (for a minimum of one year).
  • Have a total household income below 80% of Frederick County’s
    area median income (AMI) and are able to qualify for a mortgage (inc. credit history, debt-to-income ratio)
  • Demonstrate a need for safe and affordable housing.
  • Agree to partner with Habitat and contribute “sweat equity”.

Total Household Income (HUD as of Jan 2024) 


Size (inc. children) 

Minimum (30%) 

Maximum (80%) 













Sweat Equity

Habitat for Humanity requires future homeowners to contribute a minimum number of hours of sweat equity during the build of their new home.  Family size determines the total number of required hours.


We are not currently taking applications. If you are interested in being notified when a property is available, please fill out the interest form below.

If you are considering purchasing a new home, or any other home purchase, here are a few resources and steps to take.

  • Checking on your credit report
  • Putting aside funds to use for a downpayment. 
  • Participating in a homebuyer preparation program such as United Way’s Credit Cafe, HHS, United Way Prosperity account.