In this subtitle the following words have the meanings indicated. “Covered county” means: a county that has adopted home rule powers under Article XI-F of the Maryland Constitution; or Anne Arundel County, Calvert County, Frederick County, Howard County, or Washington County. “Family of low or moderate income” means a family or individual that a covered county determines cannot afford a price or rent sufficient to induce private enterprise in the covered county to build enough adequate, safe, and sanitary housing without the assistance of a program. “Program” means a residential mortgage program under this subtitle.