Homeownership is Within Your Reach
At Habitat for Humanity of the Chesapeake, we believe everyone deserves a decent place to live. Our program supports hardworking individuals and families who need a decent, affordable home and are ready to invest in their future through partnership and perseverance.
Through our homeownership program, we make the purchase of an affordable home possible for families, most of which are right here in Baltimore City, with additional homes built in Baltimore County, Anne Arundel County, and Howard County.
Start Your Path to Homeownership
We offer newly built or renovated 2 or 3 bedroom homes throughout Central Maryland, each equipped with central air conditioning and affordable monthly mortgage payments. Habitat homebuyers need to have the ability to pay, a need for housing, and a willingness to partner.
Currently Recruiting for the Following Homes:
- 2145 Walbrook Ave. – 4BR*
- 2124 Walbrook Ave. – 3BR
- 2128 Walbrook Ave. – 2BR
- *Placement in our 4-bedroom home is based on family size and bedroom needs.
Habitat for Humanity of the Chesapeake Homeownership Program
Homeowner Requirements
Is this you? Attend a homebuyer information session to learn more about the Habitat for Humanity of the Chesapeake program requirements. Do you have the following:
Need
for stable housing or if you’re paying more than 30% of your income on rent.
Stable Income
to ensure you earn enough to manage an affordable mortgage and are within 30-80% of the Area Median Income.
Willingness
to partner with Habitat Chesapeake through your home-buying process, including “sweat equity hours” and our home buyer education courses.
Habitat for Humanity of the Chesapeake’s Homeowner Program
Financial Requirements
Applicants must have verifiable, stable employment (or long-term benefits) for at least one year. Minimum credit score is 600, with no open judgments or liens and less than 1,000 in collections. 2-year Bankruptcies must be discharged for two or more years.
| People in Household | Minimum Income | Maximum Income |
| 1 | $28,150 | $74,800 |
| 2 | $32,200 | $85,450 |
| 3 | $36,200 | $96,150 |
| 4 | $40,200 | $106,800 |
| 5 | $43,450 | $115,350 |
| 6 | $46,650 | $123,900 |
| 7 | $50,040 | $132,450 |
| 8 | $55,720 | $141,000 |
Based on April 2026, HUD figured for the Towson – Baltimore City – Columbia area. Figures are changed by HUD annually.
Ready to Apply? Your Next Step:
Pre-Qualification Application
After completing a Homebuyer Information Session, you may begin the process by submitting a Pre-Qualification Application.
If you have questions, contact us.
Your Path to Homeownership
Program Timeline
- Attend info session
- Fill out pre-application
- If pre-qualified, Homeowner Services staff will send a full application
- Once approved, begin 250 hours of sweat equity, including 50 hours of homebuyer education
- Once program requirements are completed, settle on your house. This typically takes 12-18 months