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Administered by Charles County Department of Community Services Housing Authority, this program:. Encourages affordable housing in targeted neighborhoods most affected by foreclosures and sub-prime lending.. Provides down payment assistance to qualifying homebuyers.. Buyer Eligibility. Must be a U.S. citizen or permanent resident alien.Qualify for a fixed rate mortgage for a minimum of 30 years with a Participating Lender.Must have completed a minimum of eight hours of housing counseling fr30631

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