MMP 1st Time Advantage Direct
A competitive 30-year fixed MMP first mortgage with no MMP down-payment assistance.
First-time homebuyers, plus certain MMP exceptions such as qualifying Targeted Area purchases or eligible veterans.
Program detailsProgram library
Maryland homebuyer programs
See what each program can potentially provide, who it is intended for and the major rules that can affect eligibility.
Find My ProgramsMMP 1st Time Advantage 6000
$6,000 toward down payment and closing costs.
Eligible first-time Maryland homebuyers and applicable MMP exceptions.
Program detailsMMP 1st Time Advantage 3%
Down-payment assistance equal to 3% of the first mortgage.
Eligible first-time Maryland homebuyers and applicable MMP exceptions.
Program detailsMMP 1st Time Advantage 4%
Down-payment assistance equal to 4% of the first mortgage.
Eligible first-time Maryland homebuyers and applicable MMP exceptions.
Program detailsMMP 1st Time Advantage 5%
Down-payment assistance equal to 5% of the first mortgage.
Eligible first-time Maryland homebuyers and applicable MMP exceptions.
Program detailsHomeStart 6%
Down-payment assistance equal to 6% of the first mortgage.
Eligible MMP first-time buyers whose qualifying income is at or below 50% of Area Median Income for the county.
Program detailsMMP-UPLIFT
5% down-payment and closing-cost assistance with an MMP first mortgage.
Qualified first-time buyers purchasing a property on the active MMP-UPLIFT eligible property list.
Program detailsFirst Homes for First Responders and Teachers
5% down-payment and closing-cost assistance plus an MMP first-mortgage rate 0.50 percentage point below the standard 1st Time Advantage 5% product.
Eligible first-time buyers working full-time in qualifying Maryland teacher or first-responder positions, including certain relocating workers with qualifying offers.
Program detailsMaryland SmartBuy 3.0
Student-loan payoff assistance up to 15% of the purchase price, capped at $25,000.
Eligible buyers with at least $1,000 in student debt; generally first-time buyers or repeat buyers purchasing in a Targeted Area.
Program detailsHomeAbility
A second loan for up to 25% of the purchase price, capped at $45,000, for down payment and closing costs.
Eligible first-time buyers with a documented disability, or qualifying guardians/main caregivers for an immediate family member with a disability who will live in the home.
Program detailsMMP Flex Direct
A 30-year fixed MMP mortgage for first-time or repeat buyers with no MMP DPA.
Eligible first-time and repeat Maryland homebuyers.
Program detailsMMP Flex 6000
$6,000 toward down payment and closing costs.
Eligible first-time and repeat Maryland homebuyers.
Program detailsMMP Flex 3%
Down-payment assistance equal to 3% of the first mortgage.
Eligible first-time and repeat Maryland homebuyers.
Program detailsAnne Arundel County Mortgage Assistance Program
Up to $50,000 for down payment, closing costs and/or mortgage write-down.
Qualified buyers purchasing in Anne Arundel County who meet the program household-income and underwriting rules.
Program detailsBuy Back the Block
A $15,000 home-purchase grant or up to $20,000 for an eligible purchase-and-renovation transaction.
Current Baltimore City residents who have lived for at least 12 consecutive months in an eligible area and purchase a primary residence in the grant-eligible area.
Program detailsHoward County Settlement Downpayment Loan Program (SDLP)
County financing for settlement and down-payment costs; assistance amount depends on the specific SDLP product and underwriting.
Qualified Howard County buyers who meet income and price limits and lack sufficient funds for total settlement/down-payment costs. Some SDLP products require first-time buyer status.
Program detailsMontgomery Homeownership Program
When funded, assistance can equal up to 40% of household income, capped at $50,000, for down payment and closing costs.
Eligible MMP buyers purchasing in Montgomery County.
Program detailsMontgomery Employee Down Payment Assistance Loan (MEDPAL)
A flat $50,000 down-payment and closing-cost assistance second loan.
Eligible first-time buyers employed by specified Montgomery County departments and purchasing in Montgomery County.
Program detailsPathway to Purchase
Up to $50,000 for down payment and closing costs.
Low- to moderate-income first-time buyers purchasing an eligible primary residence in Prince George’s County.
Program detailsCity of Laurel Homebuyer Assistance Program
$5,000 assistance payment for eligible homebuyers.
Eligible buyers purchasing a primary residence inside the City of Laurel who are first-time buyers or have not purchased a home within the previous five years.
Program detailsHagerstown Home Store — Community Partner Incentive Program
Up to $6,000 toward down payment and closing costs for eligible City of Hagerstown purchases.
Qualified buyers purchasing in Hagerstown who complete required housing counseling and meet income and program requirements.
Program details