The Homeownership for Individuals with Disabilities Program is offered through the Maryland Department of Housing and Community Development and is available statewide. Please call the department's Single Family Housing unit at 301-429-7852 or e-mail to SingleFamilyHousing.email@example.com for additional information.
A "Certificate of Disability" completed by a health, mental health, or disability professional is required. All borrowers must meet program eligibility guidelines and the loan must conform to all underwriting criteria. Cosigners are not permitted. Borrowers must be first-time homebuyers unless buying in a Targeted Area or are a veteran and exercising one-time exemption to first-time homebuyer requirement (must provide copy of DD-214).
Property prohibited from ownership at the time of loan closing includes:
Any land appurtenant to the residence which is not necessary to maintain the basic livability of the residence may not be financed with the proceeds of the Mortgage Loan. The lot size cannot exceed four acres, however, exceptions may be requested for properties with septic and/or zoning considerations that require additional acreage. The maximum exception will not exceed ten acres. The borrower is to request an exception listing the reason(s) why the exception should be made. The borrower’s name and address along with any pertinent documentation is to be included with their written request. These requests are to be submitted to the Homeownership for Individuals with Disabilities Program underwriter as soon as the borrower is aware of the situation.
Occupancy implies that the home is located within reasonable proximity of the borrower’s place of employment. If the borrower’s employment requires the borrower’s absence from home a substantial amount of time, the following two conditions must be met:
A home inspection is required, which will address fire, safety and health issues.
The total combined income of all members of the household may not exceed:
Term: 30 years
CONTACT: Single Family Housing
Community Development Administration
Maryland Department of Housing and Community Development
7800 Harkins Road, Lanham, MD 20706
P: 301-429-7852 | Toll Free (Maryland Only): 800-638-7781