Our Funds

Building Community
Enriching Lives.


It’s easy to start a fund, and we work with individuals, businesses, nonprofits, civic groups, and faith-based organizations every day. Each fund is unique to the individual or entity creating it – no two funds are alike. Once created, we’ll ensure that your charitable intentions are carried out exactly as you specify.


How much money do I need to start a fund?

New funds are created with $10,000 cash, or non-cash gifts such as real estate, securities, or life insurance.

What things should I think about?

You should consider the following:

  • Will you make your gift now, or later?
  • What would you like to name your fund?
  • What type of gift would you like to use to start the fund? (examples are cash, real estate, securities, life insurance, IRA)
  • What type of fund do you prefer? View our Types of Funds. (Don’t worry; we can help you determine which fund type best meets your charitable goals.)
  • Will the fund provide grants, scholarships, or both?

Can I start a fund if I do not have $10,000?

Yes, you can start a fund with less than $10,000 and become an Accumulator Fund. You’ll have thirty-six months to bring the fund balance to the minimum.

You can also give to one of our area of focus funds, and pool your resources with gifts from others who have similar interests. For example, if you’re interested in supporting emergency needs individual clients, our Help Your Neighbor field of Interest Fund might be a good match.

You can also opt to create a planned gift to establish your fund after your lifetime using proceeds from your estate. We’ll recognize you as a Legacy Society member now, along with other members who want to ensure Harford County’s future.

The Community Foundation of Harford County is a 501(c)(3) public charity. Copies of financial statements may be requested by contacting the Foundation office. Information about CFHC submitted under the Maryland Charitable Solicitations Act can be obtained from the Maryland Secretary of State, Charitable Registration Division.


I want to support the Community Foundation of Harford County!