March 25, 2021
Mark Miller, Administrator, Office of Public Information, 410-313-2022
Kelly Cimino, Director, Department of Housing and Community Development, 410-313-6318
Applications will be accepted April 1st through 5:00 p.m., April 30th
ELLICOTT CITY, MD – Howard County’s Department of Housing and Community Development (DHCD) will begin accepting applications for its Moderate Income Housing Unit (MIHU) program April open enrollment period on Thursday, April 1st. Applications will be available online and completed applications can be submitted either online, mailed to 9820 Patuxent Woods Drive, Suite 224, Columbia, MD, 21046, or dropped off at DHCD’s Patuxent Woods Drive office by appointment only. Applications will be accepted through 5:00 p.m. Friday, April 30th.
Home ownership is an important step for many families who are trying to build generational wealth and economic mobility. Through our MIHU program, we are creating affordable homeownership opportunities to help families call Howard County home. We're investing in people, in socio-economic diversity, and in a community that is focused on quality of life. I encourage our residents and families to learn more about our MIHU program and find out if they qualify.
DHCD will be hosting a virtual MIHU Homeownership informational workshop on Wednesday, April 7th from 6:00 to 7:30 p.m. via Webex. For more details about the workshop and how to sign up, visit DHCD’s “Open Enrollment” website. Additionally, from DHCD’s “Open Enrollment” website, visitors can also find presentations from previous homeownership and rental informational workshops, as well as frequently asked questions and answers explaining the program’s eligibility requirements and application process.
“Spring is a very busy time for new home sales and a great time to check out our new MIHU condo and townhouse units available for purchase at below market prices in Columbia, Elkridge, Hanover and Laurel. Potential homebuyers may also be eligible for downpayment and closing cost assistance through the County’s Settlement Downpayment Loan Program, so a lack of savings is not a barrier to purchasing an MIHU home.” said Kelly Cimino, DHCD Director.
To purchase an MIHU home, individuals must apply to DHCD during an open enrollment period to be placed in the database. To qualify, an applicant’s household income may not exceed 80 percent of Howard County’s median income (example: maximum $94,184 for a four-person household to as much as $124,323 for an eight-person household). Applicants must meet minimum credit score requirements and household income must be sufficient to qualify for a mortgage based on industry standards. Sale prices for available MIHU homes, currently range from $267,544 for a new condo to $386,938 for a new townhouse. Actual sale prices may vary depending on the size and amenities of the unit.
Homeownership opportunities are currently being offered at below-market sales prices in several Howard County communities, including Cedar Creek in Columbia, Delacour at Blue Stream in Elkridge, Elkridge Crossing II in Elkridge, Paddock Pointe in Laurel and The Yards at Oxford Square in Hanover. In addition to these new homes, previously owned condominiums and townhomes throughout the county are also for sale under the MIHU program as they become available. With current low interest rates, individuals and families with incomes as low as $60,000 or slightly less may qualify to purchase a home. MIHU homeownership program applications are available online or interested applicants can request to have a paper application mailed to them by emailing [email protected] or calling 410-313-6318 and selecting option two.
To rent an MIHU unit, a qualified applicant’s household income may not exceed 60 percent of the Howard County median income (example: maximum $49,447 for a one-person household and $70,638 for a four-person household). MIHUs are rented on a first-come, first-served basis, are interspersed throughout each community and residents enjoy the same amenities of community life as market rate tenants. Annapolis Junction, Ashbury Courts, Azure Oxford Square, Belmont Station, Brompton House, Burgess Mill Station II, Dartmoor Place, Miller’s Grant, Mission Place, Oakland Place, Orchard Meadows, Orchard Park, Penniman Park, The Refinery, Regency Crest, Townes at Pine Orchard, Verde II at Howard Square, The Vine, and The Wexley @ 100 rental communities are currently participating in the MIHU program. Prospective renters may apply directly to a participating rental community at any time during the year. Visit DHCD’s MIHU rental website for more information.
Open enrollment periods for the MIHU homeownership program are held quarterly. For more information, to request a paper application and/or to schedule an appointment to drop-off your completed application, contact DHCD’s Housing Opportunities Programs Division at 410-313-6318 and select option two, email [email protected] or visit DHCD’s open enrollment website.