Pathway to Homeownership

Every $1 saved will be matched with $4!

Qualified ALICE (Asset Limited, Income Constrained, Employed) households in Frederick County now have access to an upgraded Pathway to Homeownership designed to build long term stability through homeownership.

Starting July 1, 2021, a $4 to $1 match will be provided to Pathway to Homeownership participants who save up to $3,000 towards the purchase of a home.  This increases the maximum available match for each saver to $12,000 - for a total of over $15,000 which includes their savings towards purchase costs.

The home must be purchased in Frederick County. Participants who have completed 12 months of the Budget Coach program will also qualify for $3,400 Foreclosure Prevention Fund. The fund will be available to use for three years immediately after the purchase of the home to help cover the monthly mortgage in case of an emergency. 

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Step 1: Complete the pre-qualification form below to see if you qualify for the program.
Step 2: If pre-qualified, you will automatically be promoted with a link to complete the full application. 
Step 3: Meet with a Prosperity Center representative to submit the required documents for the application. 
Step 4: If approved, open your Prosperity Savings Account and begin saving towards making your dreams a reality!
Still have questions? See below for a quick list of resources explaining the process of qualification, application, and sustained participation with a Prosperity Savings Account:
The Pathway to  Homeownership Savings Account is brought to you by the partnership of United Way of Frederick County and the Frederick County Government. 
Should you have any further questions, please call the main phone number of United Way of Frederick County at 301-663-4231, or send an email to Joyce Kwamena-Poh at