​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, which must be submitted by lender prior to reservation to singlefamilyhousing.dhcd@maryland.gov​.
  • ​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.)
County Name​ Incom​e limit for 80% AMI​
Allegany​​​ $47,440​​​
Anne Arundel $80,800​
Baltimore $80,800
Baltimore City $80,800
Calvert​ $95,920
Caroline $54,720​
Carroll $80,800
Cecil $72,080
Charles $95,920​​
Dorchester $54,720
Frederick $95,920
Garrett​​ $54,720
Harford $80,800
Howard $80,800
Kent $60,560
Montgomery $95,920
Prince George's $95,920
Queen Anne's $80,800
Somerset $56,400
St. Mary's $81,360
Talbot $64,080​
Washington $60,480
Wicomico $56,400​
Worcester $56,400

​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 replaces the Department’s previous Homeownership for Individuals with Disabilities Program (HIDP) and is designed to assist more borrowers with disabilities​.

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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​