​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 7/1/2021
County Name​ Low-income - 80% AMI
Allegany​​​ $48,640​​​
Anne Arundel $84,080​
Baltimore $84,080
Baltimore City $84,080
Calvert​ $102,240
Caroline $57,600​
Carroll $84,080
Cecil $75,600
Charles $102,240​​
Dorchester $57,600
Frederick $102,240
Garrett​​ $57,600
Harford $84,080
Howard $84,080
Kent $62,800
Montgomery $102,240
Prince George's $102,240
Queen Anne's $84,080
Somerset $59,280
St. Mary's $93,200
Talbot $69,920​
Washington $61,040
Wicomico $59,280​
Worcester $59,280

​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.

lender list​ for that status.

​For more information:​​​

HomeAbility Fact Sheet
CDA Certificate of Disability​​ ​​​​