Homeownership is Within Your Reach
At Habitat for Humanity of the Chesapeake, we believe homeownership is possible for everyone, regardless of background, income level, or physical ability. Our program supports hardworking individuals and families who need a safe, stable home and are ready to invest in their future through partnership and perseverance.
Through our homeownership program, we make the purchase of a safe, stable, and affordable home possible for families in Baltimore City, Baltimore County, Anne Arundel County, and Howard County.
Start Your Path to Homeownership
We offer newly built and renovated 2 or 3 bedroom homes throughout Central Maryland, each equipped with energy-efficient appliances, central air conditioning, and affordable monthly mortgage payments. Habitat homebuyers need determination, stability, and a desire to create lasting change for themselves and their families.
Events
Upcoming Homeowner Info Sessions
A safe, decent, and affordable place to live is one of the most fundamental needs in life. Unfortunately, the resources required to fulfill this basic need are unavailable to millions around the world, including many people right here in Central Maryland.
Register for an upcoming virtual homeowner information session to learn about what we look for in our homebuyers and how to get started!
Virtual
Homeowner Information Session
Sept. 18
/ 2025
Virtual
Homeowner Information Session
Sept. 27
/2025
Habitat for Humanity of the Chesapeake Homeownership Program
Homeowner Requirements
Is this you? Attend a homebuyer information session to learn more about the Habitat for Humanity of the Chesapeake program requirements.
Need
for stable housing or if you’re paying more than 30% of your income on rent.
Stable Income
to ensure you earn enough to manage an affordable mortgage within 30-80% of the area median income.
Willingness
to partner with Habitat Chesapeake through your home-buying process, including “sweat equity hours” and our home buyer education courses.
Habitat for Humanity of the Chesapeake’s Homeowner Program
Financial Requirements
Applicants must have verifiable, stable employment (or long-term benefits) for at least one year. Minimum credit score is 600, with no open judgments or liens and less than 1,000 in collections. 2-year Bankruptcies must be discharged for two or more years.
| People in Household | Minimum Income | Maximum Income |
| 1 | $27,400 | $72,950 |
| 2 | $31,300 | $83,400 |
| 3 | $35,200 | $93,800 |
| 4 | $39,100 | $104,200 |
| 5 | $42,250 | $112,550 |
| 6 | $45,400 | $120,900 |
| 7 | $48,650 | $129,250 |
| 8 | $54,150 | $137,550 |
Based on April 2025, HUD figured for the Towson – Baltimore City – Columbia area. Figures are changed by HUD annually.
Ready to Apply? Your Next Step:
Pre-Qualification Application
After completing a Homebuyer Information Session, eligible applicants may begin the process by submitting a Pre-Qualification Application along with the required documentation.
If you have questions, contact us.
The application is now OPEN for our available properties:
- 3422 Elmora Ave (2 bedroom)
- 800 block of Madeira Street (3 bedroom)
- 1329 N Fulton Ave (2 bedroom)
- 1552 N Fulton Ave (3 bedroom)
Your Path to Homeownership
Program Timeline
- Attend info session
- Fill out pre-application
- If pre-qualified, fill out a full application
- Once approved, begin 200 hours of sweat equity and 50 hours of homebuyer education
- Once home is completed, settle on your house