The CCNAACP Housing Committee is committed to bringing our community relevant, useful information concerning housing, and community development in Charles County as information avails to us. As we know, most of everything needed to be successful is already available in the form of finance, knowledge, or both. The problem, therefore, becomes how and where to asset needed resources. Here are some tidbits of knowledge that may help you or others in the area of residential living in Charles County.
Andrea Wiley, CCNAACP Housing Committee Chair
The Charles County Housing Authority administers various housing programs to assist low and moderate-income families. The Housing Authority Division offers multiple services and programs for low to moderate-income families and those seeking housing assistance.
It is a federally-funded, locally administered rental assistance program that subsidizes the rent of lower-income families, the elderly, and the disabled to afford decent, safe housing in the private market through the use of federal funds. Vacancies are currently open until filled. Please see Housing Choice Vouch Program for more information.
Homeless Services and Resource Guide – A listing of contacts for charitable aid, housing benefits, medical assistance, and more.
The Charles County Indoor Plumbing Program, administered by the Housing Authority is designed to assist low-income homeowners in Charles County in obtaining indoor plumbing and potable water for their principal residence.
For homeowners seeking assistance in obtaining indoor plumbing.
Encourage the promotion of affordable housing development and neighborhood revitalization through programs such as:
*USDA 2023 Housing Preservation Grant
Provide low-interest or deferred loans
to improve the basic livability of single-family homes for low and moderate-income families. Examples of work include new roofs, windows, doors, etc.
The Maryland Department of Housing & Community Development has homeownership programs.
Assist non-profit and community-based organizations in obtaining funding for projects directed at neighborhood and housing revitalization, economic development, and improved community facilities.
A program of the Maryland Department of Housing and Community Development (DHCD), designed to assist urban neighborhoods, suburban communities, and small towns experiencing decline and disinvestment, but have the potential to be vibrant places to live and work with modest public and private investment. These Community Legacy Areas are often referred to as "at-risk" or "transitional" communities. Indications of decline include dropping property values, population loss, decreasing income and education levels, and increasing housing and commercial vacancies.
The Charles County Settlement Expense Loan Program (SELP) provides direct financial assistance of up to $6,000 for
settlement expenses to qualified low-income and moderate-income first-time home buyers in Charles County. The loan is secured by a second mortgage, repayment of which is deferred until such time as the property is resold, transferred, or refinanced, or the buyer discontinues occupancy of it as a principal residence.
This program is offered through the
Maryland Department of Housing and Community Development (DHCD). At least one borrower must be disabled and must provide a "Certificate of Disability" completed by a health, mental health, or disability professional to qualify. All borrowers must meet program eligibility guidelines and the loan must conform to all underwriting criteria.
Charles County proposes to offer grants to low-income and very low-income households in rural areas of Charles County, Maryland. Funds will be used to repair or rehabilitate owner-occupied units that have health or safety issues to improve living conditions for homeowners. The maximum grant amount per application will be $15,000. Approximately seven households will be assisted, with the majority of those being very low-income households. Those wishing to comment on this statement of activity may contact Jill Hodges, Community
Development Coordinator, at 301-934-0120 or HodgesJ@charlescountymd.gov.
The Housing Choice Voucher Program is a federally-funded, locally administered rental assistance program that subsidizes the rent of lower-income families, the elderly, and the disabled to afford decent,
safe housing in the private market through the use of federal funds.
The Housing Choice Voucher Program is designed to help low-income persons; afford decent, safe, and sanitary housing. The Housing Authority will notify applicants when their name nears the top of the waiting list. When a voucher becomes available, applicants will be scheduled for the enrollment interview with an Occupancy Specialist who will review household income to determine the portion, if any, that an applicant may have to contribute monthly for rent and utilities.
This program does not have an expiration date for participants. As long as they, continue to meet eligibility via HUD standards they can remain in the program. Because of this, the program can only allow 700 participants.
- 700 Vouchers are issued monthly.
- Seniors, People with disabilities, and veterans are given priority.
- Vacancy announced via their website.
- CURRENTLY ACCEPTING APPLICATIONS: June 20, 2023, until filled
The Maryland Department of Housing and Community Development will administer federal emergency rental funding in two ways, (1) directly to local jurisdictions through the Maryland Eviction Partnership Program to support local rental assistance efforts and (2) to property management on behalf of tenants residing in affordable rental properties that received federal or state financing through the Assisted Housing Relief Program.
Homelessness Solutions Programs works to coordinate statewide efforts aimed at reducing the number of Homeless households in Maryland.
Contact information for Charles County:
Status: Accepting applications
Program Name: Southern Maryland Tri-County Community Action Committee Covid19 Emergency Assistance Application Information
Program Name: LifeStyles, Inc
MD Housing Search (mdhousingsearch.org) is an online housing locator service that helps people locate available housing that best fits their individual and family needs. The service can be accessed online 24 hours a day and is supported by a toll-free, bilingual call center (877-428-8844) Monday through Friday, 9 a.m. to 8 p.m. EDT. Individuals can easily search for housing using a wide variety of search criteria with special mapping features and receive apartment listings that provide a multitude of important information about each unit. In addition, the site connects people to other housing resources through website links and provides helpful tools for renters such as an affordability calculator, rental checklist, and renter rights and responsibilities information.
The State of Maryland is a participating employer in the House Keys 4 Employees Program.
As a participating employer, the State provides financial assistance to active States of Maryland government employees (permanent and contractual employees) purchasing a home through the Maryland Mortgage Program (MMP) using a 1st Time Advantage 6000 or a Flex 6000 loan. The amount available to State employees through the House Keys 4 Employees Program is $2,500, which would be layered with the existing $6,000 for a total of $8,500 in a zero percent deferred loan.
To learn about how you can take advantage of this assistance, start by Finding a Lender so you can get pre-qualified for an MMP loan. Homebuyer education is required for all MMP borrowers purchasing a home.
The Maryland Mortgage Program (MMP) provides 30-year fixed-rate home loans to eligible homebuyers purchasing in Maryland. Loan terms are competitive with other home loan products on the market, but what makes MMP unique is the range of associated financial incentives and other assistance that, for many homebuyers, means the difference between being able to purchase and continuing to rent. MMP down payment assistance can only be obtained with an MMP first mortgage; it is not a standalone option.
The Maryland Mortgage Program is provided by the Maryland Department of Housing and Community Development (DHCD).
The agency’s Division of Development Finance, also known as the Community Development Administration (CDA), is the state’s Housing Finance Agency, a state-chartered authority that helps meet the affordable housing needs of the residents of Maryland.
Buying a home is a big deal. It may be the single largest purchase you ever make, and your choices can impact your family’s life for years to come. For many people, becoming a homeowner can mean stability, greater control over how you live, and the potential for building wealth and equity for your family’s future.
The Maryland Mortgage Program works with a state-wide network of approved mortgage lending organizations that can help you choose the best loan products for you and your family. Explore the options available to eligible homebuyers, including mortgage financing, federal tax credits, down payment assistance and more.