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Maryland Mortgage Program

HomeAbility Loan

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​​Homeownership for individuals with disabilities

HomeAbility is a special loan program through the Maryland Mortgage Program. It helps homebuyers with disabilities afford a home by providing low-interest financing and significant help with down payments.

Who can apply

You may qualify if one of the following applies:

  • You or a co-borrower have a documented disability.
  • You are the guardian and main caregiver for an immediate family member with a disability who lives with you.

Benefits

HomeAbility makes homeownership more affordable by offering:

  • You can finance up to 95% of your home's price.
  • You can get a second loan for up to 25% of the purchase price (up to $45,000) to help pay for your down payment and closing costs. The second loan has:
    • 0% interest
    • No monthly payments as long as you live in the home and keep your first mortgage
    • You only pay it back when you sell, refinance, or transfer the home.

Products

  • Conventional first mortgage: A standard loan to buy a home at a fixed interest rate.
  • A second loan: A 0% interest, deferred loan to help with down payment and closing costs.

Note: The total amount of both loans combined cannot be more than 105% of the home's value.

Eligibility requirements

Must provide disability documentation. The Community Development Administration (CDA) will review these documents to ensure they meet program requirements. Please provide one of the following:

  • A CDA Certificate of Disability completed by a qualified health, mental health, or disability professional.
  • Proof of disability income from the Social Security Administration (SSI or SSDI), Veterans Affairs (VA), or a former employer. Acceptable proof includes:
    • Borrower's disability policy
    • Award letter
    • Benefits statement from the benefits payer (insurance company, employer or other qualified disinterested party)
  • Proof that the borrower has applied for disability benefits and a copy of the Social Security Administration's decision.

Must meet income limits:

Must meet general requirements:

  • Meet standard MMP eligibility requirements​, including income limits, credit score and purchase price limits.
  • Lenders must also meet underwriting requirements from:
    • U.S. Bank (Master Servicer)
    • Fannie Mae (FNMA)
    • Freddie Mac (FHLMC)

Ready to Get Started?