Montgomery County Housing Assistance Fund (McHAF) (MD)

Housing Opportunities Commission of Montgomery County (HOC) · Montgomery County, Maryland

Deferred loan Offered

At a glance: Up to $25,000, deferred loan (no payments until you sell, refinance or pay off). Checked against the official page on Nov 3, 2026.

Program details
Assistance type	Deferred loan — No payments until you sell, refinance or pay off
Amount	Up to $25,000
Income limit	Not verified on the official page — check the source
Purchase price limit	Not verified on the official page — check the source
First-time buyer rule	Not verified on the official page — check the source
Status	Offered
Status note	Not verified on the official page — check the source
Details	Deferred 0% second mortgage paired with an HOC first mortgage. HOC also offers RCCAP: 5% of the sales price up to $10,000, repaid monthly over a 10-year term.
Official source	https://www.hocmc.org/housing-opportunities/homeownership/the-mortgage-purchase-program/cl (opens in new tab)
Last checked	Nov 3, 2026 (automated fetch)

Go to the official program page ↗ Report a correction

Other Maryland programs

Settlement Expense Loan Program (SELP) — Up to $10,000
Mortgage Assistance Program (MAP) — Deferred loans up to $50,000
MMP 1st Time Advantage 6000 — $6,000

← All Maryland programs · Check eligibility · Compare with other programs

Common questions

How much is Montgomery County Housing Assistance Fund (McHAF)?

Up to $25,000 (per the official page, checked Nov 3, 2026).

Is Montgomery County Housing Assistance Fund (McHAF) a grant or a loan?

Deferred loan: no payments until you sell, refinance or pay off.

How does Montgomery County Housing Assistance Fund (McHAF) work?

Deferred 0% second mortgage paired with an HOC first mortgage. HOC also offers RCCAP: 5% of the sales price up to $10,000, repaid monthly over a 10-year term.

Is Montgomery County Housing Assistance Fund (McHAF) still available in 2026?

The official page listed it as offered when we last checked on Nov 3, 2026. Funding can change, so confirm with the administrator.

Who runs Montgomery County Housing Assistance Fund (McHAF)?

Housing Opportunities Commission of Montgomery County (HOC), Montgomery County, Maryland. Apply through the program or one of its participating lenders.