Annapolis MPDU Homeownership Program
City of Annapolis Office of Community Development
City-set below-market price varies by available MPDU
Qualified Annapolis residents and workers may obtain a certificate to compete for City-designated homes sold below the market price in participating developments.
Not yet confirmed
Locations listed in HomeBase: Maryland
This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.
How and when you repayThe buyer purchases a City-designated below-market home with a mortgage. The public page does not state every resale or affordability restriction, so buyers must review the MPDU covenant and sales packet before signing.
Who can apply
About you
- Household income must be at or below 100% of the Baltimore-area median income for household size.
- Satisfy one City connection: qualifying City residence or employment, eligible City employment, specified Annapolis-area school employment, 12 months of Naval Academy/Naval Base employment, or the stated County disability pathway.
The home
- The household may not currently own a home.
- Complete HUD-certified homeownership counseling before signing a purchase contract.
How to apply
- Apply for and maintain an MPDU Certificate of Eligibility and qualify for a mortgage.
The program makes the final eligibility decision.
Full requirements, documents, and history
Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history
Documents needed
- MPDU Program application
- Income and household documentation
- Evidence of qualifying residence, employment or disability pathway
- HUD-certified homeownership counseling certificate
- Mortgage prequalification when a unit is offered
Reader request
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Ask HomeBase to re-check Annapolis MPDU Homeownership Program’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
What can I combine this with?
Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.
Show what stacks with Annapolis MPDU Homeownership Program(12 to check)
Worth asking about(12)
No published rule either way. One phone call settles it — and the answer can be worth thousands.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Here’s the question to ask
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
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Hello — I'm a homebuyer looking at Atlantic Union Bank Closing the Gap Loan. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Chenoa Fund Down Payment Assistance. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Chenoa Fund DPA Edge Soft Second product for FHA loans. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Clover Capital Community Hero’s Compassion Program. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Community Partners Product. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Content changed at Baltimore City DHCD. Review for a new or updated program. Confidence: high.. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high.. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- CrossCountry Mortgage CCM ZeroDownCrossCountry Mortgage
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at CrossCountry Mortgage CCM ZeroDown. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Educational Systems FCU $2,500 Mortgage Closing-Cost Credit — 2026. Can it be used on the same purchase as Annapolis MPDU Homeownership Program (City of Annapolis Office of Community Development)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.
Check everything you’re bringing to closing — gifts, seller credits, employer help →