Maryland Mortgage Program HomeAbility

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Maryland Mortgage Program HomeAbility

Maryland Mortgage Program HomeAbility is a special loan product designed to assist disabled Maryland homebuyers finance their home purchase.


This program allows you to borrow money to buy your home.


  • You must earn a homeownership counseling certificate before closing on your home.
  • You must not own other properties at the time of closing
  • You must live in this home as your primary residence
  • Your mortgage amount cannot exceed Maryland Mortgage Program limits.
  • Household income cannot exceed 80% AMI.
  • For purchases in Baltimore City, this program is not limited to first-time homebuyers
  • Must be combined with certain Maryland Mortgage Program products.
  • One of the borrowers is disabled; OR one of the borrowers is a guardian for, resides with, and is the principal caregiver for an immediate family member who is disabled (regardless of age).


Maryland Department of Housing and Community Development, Maryland Mortgage Program


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