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Garrett County Habitat for Humanity Homeownership

Garrett County Habitat for Humanity

A Habitat home sold at the combined value of materials and land with a 0% interest, 30-year mortgage; the 2024 brochure states $3,000 in buyer closing costs.

Applicants who live or work in Garrett County, need improved housing, can repay a mortgage and complete 250 sweat-equity hours per adult may apply to purchase a Habitat home with a 0% 30-year loan.

Repayable loan

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 repay

Who can apply

About you

Demonstrate inadequate or substandard current housing and need for improved housing.
Live or work continuously in Garrett County for at least one year.
Meet income, repayment, acceptable-credit and manageable-debt review.
Complete 250 sweat-equity hours per adult, including 10 hours before Board approval.

The home

Complete education, office and home visits, credit checks and background screening.

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

Conditions

Applicants must show housing need, income eligibility, ability to pay, acceptable credit and manageable debt; live or work in Garrett County continuously for at least one year; complete 250 sweat-equity hours per adult; finish education; pass home visits, employment, credit and background review; and provide required documents.

Documents needed

Completed Habitat application
Landlord and two-year residence history
Current and prior employer information
Rent receipt or lease
Three months of pay stubs and salary records
Two years of federal income-tax returns
One month of household bills and debts
Citizenship or permanent-residency evidence
Property-specific purchase and mortgage documents

Reader request

Want us to check this program?

Ask HomeBase to re-check Garrett County Habitat for Humanity Homeownership’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 Garrett County Habitat for Humanity Homeownership(12 to check)

Worth asking about(12)

No published rule either way. One phone call settles it — and the answer can be worth thousands.

AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
APG Federal Credit Union 80/20 MortgageAPG Federal Credit Union
Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.
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 APG Federal Credit Union 80/20 Mortgage.

Can it be used on the same purchase as Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Apple FCU First-Time Home Buyer MortgageApple Federal Credit Union
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
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 Apple FCU First-Time Home Buyer Mortgage.

Can it be used on the same purchase as Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Atlantic Union Bank Closing the Gap LoanAtlantic Union Bank
An Atlantic Union second-lien mortgage of up to 3% helps cover down payment and closing costs for an eligible primary-home purchase.
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 Atlantic Union Bank Closing the Gap Loan.

Can it be used on the same purchase as Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Chenoa Fund Down Payment AssistanceCBC Mortgage Agency
Second-mortgage down-payment assistance for qualifying borrowers through approved lenders, with repayable and forgivable FHA options generally offering 3.5% or 5%.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Chenoa Fund DPA Edge Soft Second product for FHA loansChenoa fund
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Clover Capital Community Hero’s Compassion ProgramClover Capital Mortgage and Clover Capital Homes
Eligible military members, teachers, first responders, healthcare workers and union members may receive 0.5% toward closing costs or prepaids, plus another 0.5% when also using the affiliated real-estate service.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Community Partners ProductFederal Home Loan Bank of Atlanta
Up to $20,000 through participating FHLBank Atlanta members for eligible public-service, military, veteran, and essential-worker homebuyers.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Content changed at Baltimore City DHCD. Review for a new or updated program. Confidence: high.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
CrossCountry Mortgage CCM ZeroDownCrossCountry Mortgage
FHA first mortgage plus a 3.5% or 5% second lien; the 5% option may cover some closing costs.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Educational Systems FCU $2,500 Mortgage Closing-Cost Credit — 2026Educational Systems Federal Credit Union
An eligible Educational Systems FCU member who applies online for a purchase or refinance mortgage by December 31, 2026 may receive up to $2,500 in lender closing-cost credits.
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 Garrett County Habitat for Humanity Homeownership (Garrett County Habitat for Humanity)?

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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

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 →

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