Home Builds

Habitat for Humanity is best known for our home build construction. In this program, staff and volunteers work alongside qualified home buyers as they build their own home. When construction is complete, the new homeowner purchases their home at a low price through a low-down payment, low-interest rate loan, which makes it affordable for their budget.

Habitat for Humanity of Frederick County builds homes throughout the County, with plans for upcoming builds in Brunswick, Middletown, Emmitsburg, Thurmont and more.

Applicant Eligibility

To qualify for a Habitat for Humanity home, you must have:

  1. Experienced barriers to becoming a home buyer. This could be difficulty qualifying for a mortgage, an inability to save enough for a down payment and closing costs, or low credit scores.
  2. Currently lived or work in Frederick County (for a minimum of one year).
  3. A total family income between 30% and 60% of Frederick County’s median income. See the below chart for qualifications.

Based on the concept of partnership, Habitat for Humanity commits to working with the local community to build houses and sell them to qualified buyers with a low-interest mortgage. In turn, Habitat for Humanity home buyers must contribute “sweat equity,” attend home ownership workshops, follow program guidelines and repay their mortgage.

If accepted into the Home Build program, a $500 down payment will be required at the time you sign your letter of approval.

Sweat Equity

The Home Build program requires Habitat for Humanity home buyers to contribute “sweat equity” towards their own home.  All adult (18 years and older) members of the household must contribute a combined 300-500 hours of “sweat equity” before the purchase of the home.  Family size determines the total number of required hours.

However, no construction experience or physical ability is required. Habitat for Humanity works with all partner families to train you in new skills within your abilities so that our home owners can be successful in completing their sweat equity!

To be considered for the Home Build program…

Click here for a full brochure and interest form.

Click here to fill out an online interest form.

To be considered for an upcoming home build, complete the interest form and return it to our Director of Housing, Jennifer Minnick at jminnick@frederickhabitat.org or mail to:

Habitat for Humanity of Frederick County, MD
Attn: Housing Department
117 East Church Street
Frederick, MD 21701

Habitat for Humanity Frederick
117 E. Church Street
Habitat for Humanity Frederick
Frederick, MD 21701
Habitat for Humanity Frederick
301-698-2449
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