​HomeAbility is a special product designed to assist Maryland homebuyers with disabilities to finance their home purchase. This is a Conventional Loan product and provides an 80% LTV first lien and up to 25% in a second lien to assist with down payment and closing costs. No mortgage insurance is required. The interest rate for the first lien is posted on the Interest Rates page​; the second lien has a rate of 0% and payment is deferred for the life of the first lien, but becomes payable upon sale, refinance, or transfer of the home.​​​

To be eligible for Ho​meAbility:​

  • One of the borrowers has disabilities OR one of the borrowers is a guardian for, resides with, and is the principal caregiver for an immediate family member who is disabled (regardless of age).
    • ​Disability is documented by submitting:​​
      • ​a CDA "Certificate of Disability" completed by a health, mental health, or disability professional; and/or 
      • ​​a proof of income from Social Security Administration (i.e. SSI or SSDI), VA or former employer: the proof is a copy of the borrower's disability policy, award letter or benefits statement from the benefits payer (insurance company, employer or other qualified disinterested party), per FNMA's guidelines; or
      • a proof of application for disability benefits evaluation and a copy of the Social Security Administration office’s decision on the application.
    • ​It is entirely CDA’s decision as to the sufficiency of the documentation.
  • ​Borrower(s) individual income is less than or equal to the Area Media Income Limits shown below. 

HomeAbility – Maximum Income/Affordability Limits for Borrowers

(Subject to change when Fannie Mae and Freddie Mac update their income limits, usually once a year. Updates are announced by directive.) Limits effective 7/12/2020
County Name​ 80% AMI​ Incom​e limit
Allegany​​​ $49,520​​​
Anne Arundel $83,200​
Baltimore $83,200
Baltimore City $83,200
Calvert​ $99,920
Caroline $58,2​40​
Carroll $83,200
Cecil $77,280
Charles $99,920​​
Dorchester $58,240
Frederick $99,920
Garrett​​ $58,240
Harford $83,200
Howard $83,200
Kent $62,960
Montgomery $99,920
Prince George's $99,920
Queen Anne's $83,200
Somerset $59,520
St. Mary's $82,880
Talbot $68,720​
Washington $61,360
Wicomico $59,520​
Worcester $59,520

​Unless otherwise stated, all requirements and guidelines of the Maryland Mortgage Program apply. Please refer to overlays and underwriting guidelines for US BANK and GSEs (FNMA & FHLMC) for additional requirements.

HomeAbility may be offered ONLY by MMP lenders who have achieved gold or silver tier status (by production of 15 or more loans per quarter). See the lender list​ for that status.

​For more information:​​​

HomeAbility Fact Sheet
CDA Certificate of Disability​​ ​