{"status":200,"message":"Success","data":{"id":"3f6cc252-76f9-50a3-b44d-d147cc58546d","title":"House Keys 4 Employees (HK4E) Program","description":"Maryland's House Keys 4 Employees (HK4E) Program is an employer partnership initiative between Calvert County and the Maryland Department of Housing and Community Development (DHCD) that provides matching funds for down payment and closing costs to help eligible employees purchase a home. Employers sign a Participation Agreement with DHCD to become an Employer Partner, making their employees eligible for the assistance. The local match for private-sector and public-sector employees could total up to $5,000, equivalent to the state benefit/contribution. Calvert County government is a participating employer and provides matching funds for eligible county government and public school system employees. Financial assistance is made available at settlement. The type of assistance (loan or grant) and amount are determined per employer agreement, with the employer specifying loan vs. grant, amount, interest rate, and terms. The Department may close HK4E or modify the terms at any time, with at least 30 days written notice to partners. The program is designed to make homeownership more affordable for the county's working population.","status":{"value":"custom","customValue":"Recurring"},"source":"https://www.calvertcountymd.gov/3212/Incentives","funding":{"details":"Matching funds for down payment and closing costs for first-time homebuyers through employers who have signed a Participation Agreement with the Maryland Department of Housing and Community Development. Financial assistance is made available at settlement. The local match for private-sector and public-sector employees could total up to $5,000, equivalent to the state contribution. Calvert County government also participates as an employer and provides matching funds for county government and public school system employees. The type of assistance (loan or grant) and amount are determined per employer agreement, with the employer specifying loan vs. grant, amount, interest rate, and terms. The Department may close HK4E or modify the terms at any time, with at least 30 days written notice to partners.","maxAwardAmount":{"amount":"5000.00","currency":"USD"}},"acceptedApplicantTypes":[{"value":"individual"}],"customFields":{"agency":{"name":"agency","fieldType":"object","value":{"name":"Maryland Mortgage Program (Maryland Department of Housing and Community Development)"},"schema":"https://commongrants.org/custom-fields/agency"},"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"Cecilia Weller","email":"cecilia.weller@maryland.gov","phone":"800-756-0119 x3"},"schema":"https://commongrants.org/custom-fields/contactInfo"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://compass.maryland.gov/incentives/#/incentive/house-keys-4-employees-hk4e-program","description":"Maryland Community Compass record"},"schema":"https://commongrants.org/custom-fields/additionalInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"beneficiaryTypes":[{"code":"individuals","name":"individuals"}],"details":"First-time homebuyers (those who have not owned a principal residence in the last three years) who are employed by a participating Employer Partner in Calvert County, including private-sector and public-sector employees\n\nCalvert County, Maryland"},"schema":"https://md.api.cg.a6lab.ai/docs"},"attachments":{"name":"attachments","fieldType":"array","value":[{"downloadUrl":"https://www.calvertcountymd.gov/DocumentCenter/View/39237","name":"39237"},{"downloadUrl":"https://www.calvertcountymd.gov/DocumentCenter/View/47717","name":"47717"},{"downloadUrl":"https://mmp.maryland.gov/Lenders/Documents/Partner%20Match%20Documents/MarylandMortgage_HK4E_Participation_Agreement.pdf","name":"MarylandMortgage_HK4E_Participation_Agreement.pdf"}],"schema":"https://md.api.cg.a6lab.ai/docs"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"Public","schema":"https://md.api.cg.a6lab.ai/docs"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"grant; loan; subsidy; other-financial-assistance","schema":"https://md.api.cg.a6lab.ai/docs"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-10-17T08:01:15.754Z","schema":"https://md.api.cg.a6lab.ai/docs"},"mdCompassId":{"name":"mdCompassId","fieldType":"number","value":1615,"schema":"https://md.api.cg.a6lab.ai/docs"},"mdSlug":{"name":"mdSlug","fieldType":"string","value":"house-keys-4-employees-hk4e-program","schema":"https://md.api.cg.a6lab.ai/docs"},"mdDataQuality":{"name":"mdDataQuality","fieldType":"string","value":"medium","schema":"https://md.api.cg.a6lab.ai/docs"},"mdGeographicScope":{"name":"mdGeographicScope","fieldType":"string","value":"county","schema":"https://md.api.cg.a6lab.ai/docs"},"mdAcceptingApplications":{"name":"mdAcceptingApplications","fieldType":"boolean","value":false,"schema":"https://md.api.cg.a6lab.ai/docs"},"mdRecurring":{"name":"mdRecurring","fieldType":"boolean","value":true,"schema":"https://md.api.cg.a6lab.ai/docs"},"mdAssistanceTypes":{"name":"mdAssistanceTypes","fieldType":"array","value":["grant","loan","subsidy","other-financial-assistance"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdEligibleIndustries":{"name":"mdEligibleIndustries","fieldType":"array","value":["Any"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdEligibleCounties":{"name":"mdEligibleCounties","fieldType":"array","value":["Calvert"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdEligibleOrganizationTypes":{"name":"mdEligibleOrganizationTypes","fieldType":"array","value":["individuals"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdApplicationProcess":{"name":"mdApplicationProcess","fieldType":"string","value":"Employers interested in becoming an Employer Partner must complete a Participation Agreement and submit it to Cecilia Weller, Business Development Manager, Single Family Housing Programs, Maryland Department of Housing and Community Development. The agreement requires employers to specify the type and amount of assistance (loan or grant), interest rate, and terms, as well as plans for marketing the program to employees. Eligible employees then apply through the Maryland Mortgage Program at mmp.maryland.gov. A tutorial is available for download from the Calvert County website for complete information. Contact DHCD at SingleFamilyHousing.dhcd@maryland.gov or 800-756-0119 x3.","schema":"https://md.api.cg.a6lab.ai/docs"},"mdProgramAudience":{"name":"mdProgramAudience","fieldType":"string","value":"First-time homebuyers (those who have not owned a principal residence in the last three years) who are employed by a participating Employer Partner in Calvert County, including private-sector and public-sector employees","schema":"https://md.api.cg.a6lab.ai/docs"},"mdUseOfFunds":{"name":"mdUseOfFunds","fieldType":"string","value":"Down payment and closing costs for purchasing a home; assistance is made available at settlement","schema":"https://md.api.cg.a6lab.ai/docs"},"mdGeographicEligibility":{"name":"mdGeographicEligibility","fieldType":"string","value":"Calvert County, Maryland","schema":"https://md.api.cg.a6lab.ai/docs"},"mdRequirements":{"name":"mdRequirements","fieldType":"array","value":["Must be a first-time homebuyer (must not have owned a principal residence in the last three years)","Must be employed by a participating Employer Partner","Employer must complete and submit a Participation Agreement to Maryland DHCD","Employer must be enrolled as an Employer Partner with DHCD","Employer must participate in the Maryland Department of Housing and Community Development's program","Employer must provide financial assistance to eligible employee(s) to be made available at settlement in accordance with program requirements","Must meet specific eligibility requirements of the Maryland Mortgage Program","Employer must carry out activities in accordance with the Partner Match Programs Fact Sheet"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdSourceUrls":{"name":"mdSourceUrls","fieldType":"array","value":["https://www.calvertcountymd.gov/3212/Incentives","https://www.calvertcountymd.gov/2791/Housing-Programs"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdSourceCount":{"name":"mdSourceCount","fieldType":"number","value":2,"schema":"https://md.api.cg.a6lab.ai/docs"},"stateCode":{"name":"stateCode","fieldType":"string","value":"MD","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"dhcd","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"DHCD","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"upstreamSource":{"name":"upstreamSource","fieldType":"string","value":"maryland","description":"Upstream CommonGrants API this record is read from (src/data/state-portals/upstreams.json)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"upstream","description":"Read from an upstream CommonGrants API; no editorial card yet","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-07-02T21:19:57.006Z","lastModifiedAt":"2026-10-04T20:03:39.722Z","identifiers":{"otherIds":{"opp:maryland:system":{"registry":{"code":"opp:maryland:system","url":"https://md.api.cg.a6lab.ai/common-grants"},"id":"3f6cc252-76f9-50a3-b44d-d147cc58546d"}}},"funders":{"primary":{"id":"bcbcccdb-0afd-52f3-9f98-dd0257007c14","name":"Maryland Department of Housing and Community Development","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","allIds":[{"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","status":"active"},{"id":"834b3d8b-c62f-4ead-ac42-2eb43df5aa2e","status":"active"},{"id":"6edab60f-4b54-4d89-9aa1-8ae8083d53ef","status":"active"},{"id":"08e6922c-cc8d-49b8-8a90-5542613d0e74","status":"active"},{"id":"1a3ee814-85ff-4535-a796-a1f4c6864471","status":"active"},{"id":"d79075bb-0c92-4049-80ac-78c330ae609b","status":"active"}]},"org:us:md:agency":{"registry":{"code":"org:us:md:agency","url":"https://opengrants.io/common-grants/registries/org-us-md-agency.json"},"id":"DHCD"}}}}},"competitions":[],"awards":[]}}