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Montgomery County Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in Montgomery County, checked against the official page.

Montgomery County down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Montgomery County Housing Assistance Fund (McHAF)Up to $25,000Deferred loanNot statedNot statedNot statedOffered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Other local programs in Maryland

Statewide help in Maryland

You may also qualify for 1 statewide Maryland program. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for Maryland How to apply

Compare these programs · AMI / income limits · All Maryland programs

HUD-approved homebuyer counselors in Maryland (40)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does Montgomery County offer down payment assistance?

Yes. We list 1 local program checked against official pages: Montgomery County Housing Assistance Fund (McHAF) from Housing Opportunities Commission of Montgomery County (HOC) (Up to $25,000).

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.

Can I combine Montgomery County assistance with statewide Maryland programs?

Sometimes. Maryland also has 1 statewide program listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

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