Down payment assistance in Maryland
42 programs from the state, counties, cities, and employers, plus the nationwide options. 32 accepting applications as of our last check, 3 out of funds with a waitlist you can join.
Narrow it down
Showing 42 programs, plus 2 that ended.
Accepting applicationsAnne Arundel County
Anne Arundel County Mortgage Assistance Program (MAP)
- Up to $50,000, sized to your need
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Baltimore City Employee Homeownership Program
- $5,000 for city employees, with the city's page listing up to $10,000 for some purchases
- Forgivable loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Baltimore City First-Time Homebuyers Incentive Program (FTHIP)
- Typically $10,000 to $20,000 or more, sized to your income, price and closing costs
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Baltimore City Live Near Your Work (employer match grant)
- $2,000 to $5,000 or more: your employer's contribution plus a city match of $1,000 to $2,500
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Baltimore City Vacants to Value Booster
- $10,000 toward down payment and closing costs on a formerly vacant home
- Forgivable loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Buying Into Baltimore ($5,000 Trolley Tour lottery)
- $5,000 toward down payment and closing costs, awarded by lottery
- Forgivable loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsCharles County
Charles County Settlement Expense Loan Program (SELP and SELP+)
- Up to $6,000 for settlement costs, plus a $14,000 SELP+ forgivable add-on while ARPA funds last
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsGaithersburg
City of Gaithersburg Homebuyer Assistance Loan Program (Downpayment Assistance Program)
- Up to $40,000 (up to $25,000 if income is 81% to 120% of AMI)
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsRockville
City of Rockville Moderately Priced Dwelling Unit (MPDU) Homeownership Program
- Below-market home price, not a cash grant
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsCollege Park
College Park New Neighbor Homeownership Grant
- $5,000 to $20,000 toward down payment or closing costs, depending on who you are and what you buy
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
First Homes for First Responders and Teachers (Maryland Mortgage Program)
- 5% of the first mortgage as a 0% deferred second loan, plus a first mortgage rate 0.50% below the 1st Time Advantage 5% product
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsFrederick
Frederick County Homebuyer Assistance Program (HAP)
- $15,000 for households at 51% to 80% of AMI, up to $18,000 at 50% of AMI or below
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsMontgomery County
HOC Mortgage Purchase Program 3% Down Payment and Closing Cost Assistance
- 3% of the sales price
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsHoward County
Howard County Moderate Income Housing Unit (MIHU) Homeownership Program
- Below-market home price, not a cash grant
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Johns Hopkins Live Near Your Work Grant
- $5,000 to $17,000 depending on the neighborhood, including $2,500 from Baltimore City
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program 1st Time Advantage 3%, 4% and 5% Loans
- 3%, 4% or 5% of your first mortgage amount as a 0% deferred second loan
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program 1st Time Advantage 6000
- $6,000 for down payment and closing costs, paired with an MMP 30-year fixed first mortgage
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program 1st Time Advantage Direct
- No state assistance. MMP's lowest first-time buyer rate, and you can bring outside help
- Reduced-rate mortgage · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program Flex Loans (Flex Direct, Flex 6000, Flex 3%)
- Repeat buyers welcome: no assistance (Flex Direct), $6,000 (Flex 6000), or 3% of the loan (Flex 3%)
- Deferred loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program HomeAbility (Buyers with Disabilities)
- Up to 25% of the purchase price, capped at $45,000, as a 0% deferred second loan
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program HomeStart 6% Down Payment Assistance Loan
- 6% of your first mortgage amount as a 0% deferred second loan, for buyers at or below 50% of area median income
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland Mortgage Program Partner Match
- Up to $2,500 more, matching dollar for dollar what an approved employer, builder, or community partner gives you
- Deferred loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
Maryland SmartBuy 3.0 (Student Debt Payoff)
- Pays off up to 15% of the purchase price in student loans, capped at $25,000, plus optional $6,000 or 6% down payment help
- Forgivable loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Maryland
MMP-UPLIFT Loan (5% Assistance on UPLIFT Homes)
- 5% of the first mortgage as a 0% deferred second loan, only on homes built or renovated through the state's UPLIFT initiative
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsMontgomery County
Montgomery County Housing Assistance Fund (McHAF)
- Up to $25,000, capped at 40% of your qualifying income
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsMontgomery County
Montgomery County Moderately Priced Dwelling Unit (MPDU) Homeownership Program
- Below-market home price, not a cash grant
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsPrince George's County
Prince George's County Critical Workforce Housing Assistance Program (CWHAP)
- Up to $50,000 or 25% of the purchase price, whichever is less
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsPrince George's County
Prince George's County Homeownership Equity Program (HEP)
- Up to $30,000
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsPrince George's County
Prince George's County Pathway to Purchase Homebuyer Assistance Program
- Up to $50,000
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
Reinvest Baltimore Down Payment Assistance (NHS Baltimore)
- Up to $20,000 toward down payment or closing costs on a qualified Reinvest Baltimore home
- Forgivable loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsBaltimore City
University of Maryland, Baltimore Live Near Your Work Grant
- $16,000 from UMB plus up to $2,500 from Baltimore City, $18,500 total, in eleven West Baltimore neighborhoods
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Funds running lowHoward County
Howard County Settlement Downpayment Loan Program (SDLP)
- Up to $40,000 (HomeStarter); $25,000, $15,000, or $4,300 under the other loan types
- Deferred loan · First-time buyers, with exceptions
- Funds are available but limited and first come, first served.
Verified Sep 23, 2026Details
Status not confirmedBaltimore County
Baltimore County Settlement Expense Loan Program (SELP)
- Up to $10,000 toward closing costs on an existing home in a Community Conservation Area
- Forgivable loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Status not confirmedBowie
Bowie First Mortgage Assistance Program
- $2,000 city grant, matched by the State for $4,000 total toward closing costs
- Grant · First-time buyers only
Verified Sep 23, 2026Details
Status not confirmedBaltimore City
CHAI Homebuyer Incentive Grant (northwest Baltimore)
- Up to $5,000 toward down payment and closing costs in northwest Baltimore
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Status not confirmedFrederick
City of Frederick Homebuyer Assistance (Sold on Frederick and CPIP)
- Up to $25,000 interest-free through Sold on Frederick, plus up to $5,000 through CPIP
- Deferred loan · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Status not confirmedBaltimore City
Coppin State University Live Near Your Work (Live Near the Nest)
- $50,000 toward down payment and closing costs for full-time Coppin State employees buying in West Baltimore
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Status not confirmedHagerstown
Hagerstown Homeownership Initiative (Invest Hagerstown loan-to-grant)
- Up to $7,500 toward down payment and closing costs inside Hagerstown city limits
- Forgivable loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Status not confirmedSalisbury
Salisbury and Wicomico County Closing Cost Grants (Salisbury Neighborhood Housing Services)
- Up to $20,000 toward down payment and closing costs, sized to need and the property's location
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Out of funds. Expected back July 2027Anne Arundel County
Anne Arundel County Moderately Priced Dwelling Unit (MPDU) For-Sale Program
- Below-market home price, not a cash grant
- Other help · First-time buyers only
- Not accepting buyers yet. The county expects the first for-sale units around July 2027.
Verified Sep 23, 2026Details
Out of fundsHarford County
Harford County Settlement Expense Loan Program (first-time homebuyers)
- Up to $20,000 in the Southern County Task Force Area, up to $10,000 elsewhere in Harford County
- Deferred loan · First-time buyers only
- The county reports no SELP funds available right now. Join the list and we will tell you when it reopens.
Verified Sep 23, 2026Details
Out of fundsMontgomery County
Montgomery Homeownership Program (Maryland Mortgage Program)
- Up to $50,000, capped at 40% of household income, as a 0% deferred second loan (closed 2026-09-01, funds committed)
- Deferred loan · First-time buyers, with exceptions
- The state closed this program on September 1, 2026 after all funds were committed. It may reopen if more money is added. Join the list and we will tell you the moment it does.
Verified Sep 23, 2026Details
Nationwide programs any buyer here can use
Federal loan programs, nonprofit paths, and bank grants that are not tied to one state.
Accepting applicationsNationwide
Bank of America Down Payment Grant and America's Home Grant
- Down Payment Grant of 3% of the price up to $10,000, plus America's Home Grant lender credit up to $7,500 for closing costs
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Chase Homebuyer Grant
- $2,500 or $5,000 depending on the census tract, applied to closing costs, points, or down payment
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Citi Lender Paid Assistance and HomeRun Mortgage
- Lender credit up to $7,500 toward closing costs, including points, on a Citi purchase mortgage
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Fannie Mae HomePath Ready Buyer Closing Cost Assistance
- Up to 3% of the purchase price toward closing costs on a Fannie Mae HomePath home
- Grant · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Fannie Mae HomeReady Mortgage
- 3% down conventional loan for buyers at or below 80% of area median income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
FHA 203(b) Mortgage With 3.5% Down
- Down payment as low as 3.5% of the purchase price, and it can be a gift
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Freddie Mac BorrowSmart and BorrowSmart Access
- Down payment and closing cost credit sized by income tier; Freddie Mac has published $2,500 for buyers at or below 50% of AMI
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Freddie Mac Home Possible Mortgage
- 3% down conventional loan for buyers at or below 80% of area median income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Habitat for Humanity Homeownership Program (DMV Affiliates)
- A newly built or renovated home sold with an affordable mortgage sized so the payment stays near 30% of income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Housing Choice Voucher (Section 8) Homeownership Program
- Your monthly voucher subsidy is applied to mortgage and ownership costs instead of rent
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsNationwide
HUD Good Neighbor Next Door Sales Program
- 50% off the HUD list price of an eligible HUD-owned home
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
NACA Purchase Program (Neighborhood Assistance Corporation of America)
- No down payment, no closing costs, no fees, and no mortgage insurance for qualified members
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
TD Bank Right Step Mortgage (and TD Home Access)
- 3% down with no borrower-paid mortgage insurance; a $2,500 grant on TD's HomeReady loans for buyers at or below 50% of AMI through 1/29/27
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Truist Community Homeownership Incentive Program (CHIP)
- Mortgage with 0% to 3% minimum down payment, no mortgage insurance, and up to 100% financing in the Washington, Baltimore, and Richmond metros
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
USDA Rural Development Section 502 Single Family Housing Guaranteed Loan
- No down payment required for eligible buyers in USDA-eligible areas; financing up to 100% of appraised value plus the upfront fee
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
VA Home Loan (Purchase Loan)
- No down payment required for eligible buyers when the price is at or below the appraised value
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Wells Fargo Homebuyer Access Grant
- $10,000 toward the down payment, with up to $5,000 more in closing cost credit for buyers under 80% of AMI
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Status not confirmedNationwide
FHLBank Atlanta Homeownership Grants (First-time Homebuyer and Community Partners Products)
- Up to $17,500 for first-time buyers, up to $20,000 for the Community Partners Product
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Programs that have ended
Buyers still search for these. They are listed so you know not to plan around them.
Program endedStatewide, Maryland
Maryland HomeCredit Program (Mortgage Credit Certificate)
- Closed to new buyers. Was a federal tax credit for 25% of mortgage interest, up to $2,000 a year
- Tax credit · First-time buyers, with exceptions
- Closed to new reservations since 2020. The state does not plan to reopen it.
Verified Sep 23, 2026Details
Program endedStatewide, Maryland
Maryland Opportunity Grant (6% Opportunity Grant)
- Discontinued. Was a 6% grant for lower-income buyers using a Freddie Mac HFA Advantage first mortgage
- Grant · First-time buyers, with exceptions
- This grant ended. It is listed here because buyers still search for it.
Verified Sep 23, 2026Details
Program details are summarized from public sources and change without notice. Funding badges reflect the last time we checked, not a guarantee of availability. This is buyer education from a real estate agent, not a loan pre-approval or a commitment to lend. Eligibility is decided by each program administrator and your lender. Equal Housing Opportunity.
Buying in Maryland? Let's line up your programs first.
Sean will tell you which programs are worth applying for, which ones stack, and what to do before you write an offer so you do not lose the money on a technicality.