Maryland Mortgage Program Flex Loans (Flex Direct, Flex 6000, Flex 3%)

At a glance

Amount

Repeat buyers welcome: no assistance (Flex Direct), $6,000 (Flex 6000), or 3% of the loan (Flex 3%)

Type of help

Deferred loan

Where

Statewide, Maryland

Run by

Maryland Department of Housing and Community Development, Community Development Administration (Maryland Mortgage Program)

First-time buyer

Repeat buyers welcome

Income limit

Yes, see below

Price limit

Yes, see below

Minimum credit score

640

Homebuyer education

Required

How the deferred loan works

A second loan with no interest and no payment. You repay it when you sell, refinance, or pay off the first mortgage.

• Interest: 0% on the Flex 6000 and Flex 3% second loans
• Monthly payment: None
• When you would repay: Due in full when the first mortgage ends: sale, transfer, refinance, or payoff of the first mortgage

Who qualifies

• Repeat buyers welcome. Repeat buyers and first-time buyers both qualify. Whether or not you have owned before, you cannot own any other real property at the time of closing.
• Income. The standard MMP county income table applies (effective 2026-06-24), by household size. See the full 24-jurisdiction table on the MMP 1st Time Advantage 6000 page. Examples: $140,759 for 1 to 2 people and $161,873 for 3 or more in Anne Arundel, Baltimore, Carroll, Harford and Howard counties; $199,320 and $232,540 in Montgomery, Prince George's, Frederick and Charles.
• Price. Standard MMP maximum acquisition cost by county (effective 2026-06-24), for example $782,118 in the Baltimore metro counties and $1,306,974 in Montgomery and Prince George's. The first mortgage cannot exceed $832,750.
• Property types: Single-family detached, Townhouse, Condo, Modular home. Must be your primary residence.
• Principal residence only. You must sell or otherwise dispose of any home you own before closing.
• Partner Match (up to $2,500 more) layers only on Flex 6000, not on Flex Direct or Flex 3%.
• Available with FHA, VA, USDA and conventional first mortgages. Not available as a refinance.

Income limits below are the shared table published for MMP 1st Time Advantage 6000, which this program uses too.

How to apply

1. 1Choose a lender from the MMP approved lender directory and tell them you are a repeat buyer looking at Flex.
2. 2Finish an approved homebuyer education course within 12 months before settlement. MMP requires it even for repeat buyers.
3. 3Get pre-approved within the county income and purchase price limits. If you own a home now, plan its sale so you own nothing else at closing.
4. 4After your contract is ratified the lender reserves the loan and locks the rate. Any Flex second loan is funded at closing.

Watch out for

• Flex rates run higher than the 1st Time Advantage rates. If you qualify as first-time (no ownership in 3 years, Targeted Area, or veteran exemption), use that track instead.
• Flex only offers up to 3% or $6,000. There is no 4%, 5% or 6% Flex tier as of the September 2026 product line.
• You cannot keep your current home as a rental and use Flex. MMP requires that you own no other real property at closing.
• The second loans are repaid when the first mortgage ends. Budget for that payoff.

Straight answers

Sources

• MMP Flex Loans product page (read Sep 22, 2026)
• MMP fact sheet: Flex Direct (updated 2023-11-28) (read Sep 22, 2026)
• MMP fact sheet: Flex 6000 (updated 2023-11-28) (read Sep 22, 2026)
• MMP fact sheet: Flex 3% Loan (updated 2023-11-28) (read Sep 22, 2026)
• MMP Dual Track Product Line (dated 2026-09-04) (read Sep 22, 2026)
• MMP Directive 2026-04: 2026 Income and Purchase Price Limits (read Sep 22, 2026)

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.