Become a Homeowner

KAH supports eligible residents through the entire process, from one-on-one financial mentoring (credit assessment, mortgage preparation) to the home purchase itself, either through a KAH-subsidized home or the open market. Support can continue after purchase, with guidance on settling in and maintaining the home.

Timelines vary by household, since the process includes financial mentoring, credit and mortgage preparation, and finding the right home (either a KAH-subsidized property or one on the open market). Because readiness differs for each applicant, KAH recommends reaching out early to discuss your situation and get a personalized sense of timing.

Eligibility for Kent Attainable Housing’s homeownership program is based on household income and other factors. The 2026 maximum annual income limits by family size are:

Family Size - 2026 Annual Income Limit*

1- $62,750

2- $71,700

3- $80,650

4- $89,600

5- $96,800

6- $103,950

7- $111,150

8- $118,300

These income limits represent 80% of the Area Median Income for Kent County, Maryland. Income is only one of several factors considered when determining eligibility for housing assistance. KAH encourages anyone interested to contact them directly to discuss their specific situation, as some applicants may not realize they qualify. To start the process, submit a quick application form here or contact Terwana Brown, Director of Programs, at terwana@kentattainablehousing.org.

*See the HUD website‍

There is no cost to apply or to work with KAH. Financial mentoring, mortgage preparation guidance, and financial literacy classes are all provided free of charge to eligible residents of Kent County and Northern Queen Anne's County, Maryland.

KAH serves residents of Kent County, Maryland and Northern Queen Anne's County. Homeownership assistance and financial literacy classes are available to eligible households throughout these areas.

KAH subsidized homes are properties built or renovated by Kent Attainable Housing and sold to eligible buyers at a below-market price,  similar in effect to a down payment assistance or home buyer grant program, but structured as a direct price subsidy. These homes are subject to KAH's terms and resale restrictions. Applicants who prefer more flexibility can also receive support purchasing a home on the open market.

KAH's free financial literacy classes are open to all Kent County and Northern Queen Anne's County residents regardless of income or program eligibility. Whether you're over the income guidelines, not yet mortgage-ready, or simply exploring your options, the classes help build the financial foundation needed to work toward homeownership at your own pace. View our financial literacy class schedule.

Attainable housing programs, like Kent Attainable Housing's, are designed for working households who earn too much to qualify for traditional low-income housing assistance but still struggle to afford homes at market rate. Rather than rental subsidies, KAH focuses on helping eligible buyers purchase a home through subsidized homes, down payment support, and financial mentoring — building long-term equity instead of ongoing rental assistance.

Yes. Kent Attainable Housing offers home buying assistance for eligible residents of Kent County and Northern Queen Anne's County, including support accessing down payment assistance and mortgage preparation. Assistance is based on household income and other eligibility factors — contact KAH directly to discuss your specific situation.