MMP-UPLIFT Loan (5% Assistance on UPLIFT Homes)

At a glance

Amount

5% of the first mortgage as a 0% deferred second loan, only on homes built or renovated through the state's UPLIFT initiative

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

First-time buyers, with exceptions

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 second loan; the first mortgage has its own designated rate
• Monthly payment: None
• When you would repay: Due when you sell, transfer, refinance, or pay off the first mortgage

Who qualifies

• First-time buyers, with exceptions. UPLIFT sits in the 1st Time Advantage family. First-time means no principal residence owned in the last 3 years, waived for Targeted Area purchases (many UPLIFT homes are in Targeted Areas) and for veterans using the one-time exemption. You cannot own any other real property at 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. Baltimore City, where the first UPLIFT homes are listed, is entirely a Targeted Area with limits of $164,520 for 1 to 2 people and $191,940 for 3 or more. Buyers must also qualify through the UPLIFT program itself.
• Price. The purchase price of each UPLIFT home is set by CDA and the developer based on market value and appraisal, and must also fit the standard MMP maximum acquisition cost for the county.
• Property types: Homes on the MMP-UPLIFT property list only. Must be your primary residence.
• The home must be on the MMP-UPLIFT property list published on mmp.maryland.gov. As of the 2026-07-31 list, the properties were Habitat for Humanity of the Chesapeake's Orchard Ridge homes on Sinclair Lane and Arbor View in Baltimore City (21213), listed as under construction.
• Principal residence only. Liquid assets over 20% of the purchase price trigger an asset test.
• Works with conventional and government (FHA, VA, USDA) first mortgages at the UPLIFT designated rate.
• Partner Match is not available. Employer, builder or nonprofit grants can be layered if all guidelines are met.

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

How to apply

1. 1Check the MMP-UPLIFT property list to see which homes are available and contact the developer's sales agent listed for the home.
2. 2Choose a lender from the MMP approved lender directory and ask for the MMP-UPLIFT product.
3. 3Finish an approved homebuyer education course within 12 months before closing.
4. 4Once your contract on the UPLIFT home is ratified, the lender reserves the loan at the UPLIFT rate published that day. The 5% second loan is funded at closing.

Watch out for

• This product only works on homes actively participating in UPLIFT. You cannot use it on a regular listing.
• Inventory is small and changes as developments finish. The first list (2026-07-31) was one Baltimore City development still under construction, with availability listed as to be determined.
• The 5% second loan is repaid when the first mortgage ends. It is not forgiven.
• Because UPLIFT is brand new (launched 2026-07-24), expect the property list and details to change. Check the official page before you count on a specific home.

Straight answers

Sources

• MMP-UPLIFT product page (read Sep 22, 2026)
• MMP fact sheet: MMP-UPLIFT (dated 2026-07-24) (read Sep 22, 2026)
• MMP Directive 2026-08: MMP-UPLIFT Launch (read Sep 22, 2026)
• UPLIFT Property Report as of 2026-07-31 (PDF) (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.