Many financial lenders particularly FHA and USDA require homebuyers to participate in a Homebuyer Education class and provide a certificate of completion prior to the loan closing.  It is also a requirement of the Closing Cost Grant.  The Homebuyer Education Program is certified by the State of Maryland, Department of Housing and Community Development and the U.S. Department of Housing and Urban Development (HUD).  This 8 hour class is available by:

1.  On line training through Framework Homeownership at; or

2.  In person at the Allegany County Human Resources Development Commission, 125 Virginia Avenue, Cumberland.