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Purchase-Repair Homeownership Program

Think you can’t afford to buy a home?


Juliet tells her homeownership story:


IHA’s Purchase-Repair Homeownership program participants are paying less for homeownership than they were for rent, and they are building equity immediately!

IHA’s Purchase-Repair Homeownership Program provides affordable homeownership opportunities to families and individuals that wouldn’t otherwise qualify for a traditional mortgage. Program participants receive free technical assistance from IHA through the entire homeownership process, from credit repair and budget counseling, preparation of the loan application, locating and placing an appropriate home under contract, how to repair and maintain their home, as well as on-going post-purchase counseling to eliminate any chance of foreclosure in the future. The entire community benefits by revitalizing neglected communities, reusing infrastructure and preserving existing housing. This program is currently available in Carroll, Frederick, and Washington counties in Maryland.

Features of the program include:

- No down payment!
- Fixed rate below market interest rate
- No private mortgage insurance requirement
- Necessary repairs are financed as part of the mortgage loan through USDA
Maximum Income Eligibility Guidelines
Family Size Carroll Frederick Washington
1 $47,600 $52,850 $42,650
2 $54,400 $60,400 $48,750
3 $61,200 $67,950 $54,850
4 $68,000 $75,500 $60,950
5 $73,450 $81,550 $65,850
6 $78,900 $87,600 $70,700
7 $84,300 $93,600 $75,600
8 $89,750 $99,650 $80,450


Click here to download a pre-qualification worksheet.

Please return your completed worksheet and the signed authorization forms to:

Carol Riggles, Homeownership Program Manager
Interfaith Housing Alliance
5301 Buckeystown Pike, Suite 320
Frederick, MD 21704
PHONE – (301) 662-4225 ext. 1209
FAX – (301) 662-6477