Anne Arundel County Moderately Priced Dwelling Unit (MPDU) For-Sale Program

At a glance

Amount

Below-market home price, not a cash grant

Type of help

Other help

Where

Anne Arundel County

Run by

Arundel Community Development Services, Inc. (ACDS), MPDU Administrator for Anne Arundel County

First-time buyer

First-time buyers only

Income limit

Yes, see below

Price limit

Yes, see below

Homebuyer education

Required

How the other help works

A special purchase path, discount, or loan type that lowers what you need at closing.

• Monthly payment: None

Who qualifies

• First-time buyers only. No ownership interest in residential property within the last 3 years.
• Income. Gross household income up to 100% of the Baltimore area median, adjusted for household size: $93,500 for 1 person, $106,813 for 2, $120,188 for 3, $133,500 for 4, $144,188 for 5 (effective 2026-06-01, adjusted yearly).
• Price. ACDS sets the price. The maximum initial sales price is $397,000 (effective 2026-07-01) and never above the development's market-rate prices.
• At least one adult in the household must live in Anne Arundel County or have worked in the county for at least 6 months before applying.
• ACDS's MPDU Homebuyer Orientation is mandatory before you apply.
• You need a lender pre-approval before joining the for-sale waitlist. Any lender may be used; ACDS will post a list of associate lenders familiar with first-time buyers.
• Qualifying for an MPDU in another jurisdiction, including the City of Annapolis, does not qualify you here.

How to apply

1. 1Register for and attend the mandatory ACDS MPDU Homebuyer Orientation.
2. 2Complete the ACDS initial eligibility form and create your online account when the application portal opens. ACDS screens income, first-time status, and the residency or work requirement.
3. 3Get a mortgage pre-approval letter and submit it to join the ACDS MPDU For-Sale Waitlist.
4. 4When a unit becomes available, ACDS runs a lottery among eligible waitlist households. Winners buy directly from the builder at the ACDS-set price with their own lender.

Watch out for

• No homes exist yet. The law took effect 2025-07-01 and applies only to developments approved after that date, so ACDS expects the first units around July 2027. As of 2026-09-22 the application portal was listed as coming soon.
• The 20-year control period follows the home. Before listing, you must offer ACDS and the county Housing Commission a first option to buy, then an income-eligible household. The resale price is the prior price adjusted for inflation, improvements, and a commission.
• You must live in the home. Renting it out is not allowed.
• This is not a subsidy. There is no cash assistance attached, though you may pair it with ACDS's Mortgage Assistance Program if you qualify.

Straight answers

Sources

• ACDS MPDU Program page (read Sep 22, 2026)
• ACDS Program Policy: Initial Sales Price and Household Income Limits in For-Sale MPDUs (effective 2026-07-01) (read Sep 22, 2026)
• ACDS MPDU Frequently Asked Questions for Homebuyers (updated 2025-11-01) (read Sep 22, 2026)
• ACDS: How Do I Apply for a Homeownership Unit (read Sep 22, 2026)

Program details are summarized from public sources and change without notice. Funding badges reflect the last time we checked, not a guarantee of availability. This is buyer education from a real estate agent, not a loan pre-approval or a commitment to lend. Eligibility is decided by each program administrator and your lender. Equal Housing Opportunity.