Statewide programs
Statewide options can include first-time-buyer products, repeat-buyer products and programs with down-payment or closing-cost assistance.
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MarylandMaryland homebuyer programs and down-payment assistance
Compare statewide Maryland Mortgage Program options, specialty programs and local assistance. Use the finder for a personalized shortlist or browse your jurisdiction below.
Maryland by county and city
Each page explains statewide programs, local assistance, Targeted Area status and current 2026 program limits.
How Maryland homebuyer assistance fits together
Maryland buyers can encounter three different layers of assistance: statewide Maryland Mortgage Program options, specialty programs aimed at particular buyer profiles, and local county or city programs. A buyer may fit one layer, several layers or none, depending on the property, income, household size, first-time status and mortgage requirements.
County and city assistance
Local programs can add another source of help, but they often have their own geographic, income, funding and occupancy requirements.
See a county examplePersonalized screening
The program finder compares your location and basic buyer profile with the programs in the Homebuyers Hub database so you can focus on the options worth reviewing.
Find programs that may fitFor the strongest comparison, start with your county or Baltimore City page, review the statewide programs linked there, and then use the finder. This creates a clearer path from broad Maryland assistance to the programs that may fit a specific purchase.
Why location matters: Maryland’s income and purchase-price limits vary by jurisdiction, and some counties are fully or partially designated as Targeted Areas. Targeted Area rules can increase income limits and can expand access to certain products for repeat buyers.