Application

Applications for a Certificate of Eligibility (PDF) to purchase or rent an MPDU are accepted in person or by mail. Currently the ACDS is accepting applications on a rolling basis. The application may be mailed or hand delivered to:

MPDU Program
ACDS
2666 Riva Road
Suite 210
Annapolis MD 21401

Rental Program

Currently the only MPDU rental units available are at the apartment complex The Point at Annapolis (formerly1901 West Street). These units are offered on a first come, first served basis, to certificate holders when units become available. The Property Manager at the Point maintains a waiting list. You must have a good credit rating that is acceptable to the management, which will perform a credit check prior to your application to the apartment complex.

In July 2028, the MPDU status of the Point at Annapolis rental units expires. At that time, these units will no longer have reduced rental rates and will revert to market rate rents.

Purchase Program

The sales prices of the "for sale" MPDUs are set by the Department of Planning and Zoning. You must be able to qualify for a mortgage and pay down payment, settlement, and other closing costs that are necessary to purchase the house. All purchase agreements are negotiated between you and the private seller. To obtain a mortgage, you must have good credit, a steady income, and the house must be affordable for your family's income.

Below-market-rate mortgage financing and down payment and closing cost assistance may be available through the Maryland Department of Housing and Community Development's "Maryland Mortgage Program." You can find more information on this program online, or by calling 800-638-7781.

ACDS also offers mortgage assistance to income eligible households through their Mortgage Assistance Program (MAP). Please contact ACDS at 410-222-7600 for more information.

If planning to purchase an MPDU, you must be able to qualify for a mortgage and must complete home buyers' classes before signing a contract. Persons interested in purchasing an MPDU are required to attend home buying classes prior to signing a sales contract to purchase a house.

Home Buyers classes are offered through the following agencies:

Restrictions

To ensure that the MPDUs serve eligible households and are affordable to future owners, restrictions are placed on the MPDUs. The MPDU must be owner occupied. The resale price of the MPDU is controlled for 10 years. The unit may be sold during the occupancy period; however, its resale price is restricted and the unit must be sold to another MPDU-eligible household.