Habitat for Humanity of the Chesapeake Homeownership Program

At a Glance
30-year mortgage with income-based payments
Who's Eligible?
Homebuyers who meet income guidelines and other eligibility requirements
To Get Started:
Register for an information session and fill out a pre-application questionnaire

Habitat for Humanity of the Chesapeake partners with a unique group of deserving individuals— hardworking people who make enough money to pay a monthly mortgage but not enough to qualify for traditional bank loans. This program extends the dream of homeownership to low and moderate income families, offering new and fully rehabilitated homes. Homebuyers are selected based on their ability to pay, need for decent housing, and willingness to partner.


  • This program reduces the amount of money you’ll need up-front to buy your home.
  • This program allows you to borrow money to buy your home.


  • You must live in this home as your primary residence.
  • You must meet household income requirements.
  • Household income cannot exceed 80% AMI.
  • You must provide proof of stable, verifiable employment and/or long-term stable benefits.
  • You must meet credit requirements.
  • Bankruptcies must be discharged for two or more years.
  • You must demonstrate a need for better living conditions.
  • You must invest a minimum of 250 hours of sweat equity, 200 hours of volunteer service, and 50 hours of homebuyer education.


Program Terms & Conditions



Habitat for Humanity of the Chesapeake
Riley Russell, Homeowner Outreach and Education Coordinator
(443) 805-6011


We're here to help.

Have more questions about this or other Baltimore City homeownership incentives? We're here to help! Send us an email or give us a call at (410) 637-3750. A Live Baltimore team member can walk you through your options.
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