Compare Maryland Mortgage Program assistance and county homebuyer programs from Baltimore and Towson to Prince George’s County, Calvert, Charles and St. Mary’s. Current funding must be confirmed.
Maryland programs are layered: a statewide mortgage option, possible county or city funding, and any qualified employer or nonprofit assistance. Many benefits are second mortgages rather than free grants. First-time-buyer definitions and layering rules vary by program.
Start with Maryland's statewide options, including the 1st Time Advantage family: Direct, $6,000 assistance, and 3%, 4% or 5% deferred second loans. HomeStart and first responders and teachers products have narrower requirements.
MMP 1st Time Advantage — official terms · Current MMP fact sheets
Pathway to Purchase: qualifying first-time buyers may receive up to $50,000 as a deferred, zero-interest second mortgage. The county has an approved-lender process and price, income and education restrictions.
Settlement Expense Loan Program (SELP): qualified first-time buyers may receive settlement assistance of up to $6,000 as a deferred loan. County employment or residency rules and income standards apply.
Start with statewide MMP first-time and Flex options. County employee-related assistance may be separate, and funds should be confirmed directly. These counties do not necessarily offer a general open county grant.
ACDS Mortgage Assistance: eligible borrowers may receive up to $50,000 for down payment, closing costs or mortgage write-downs. Assistance is a 0% deferred loan, generally due on sale or transfer.
Montgomery has multiple distinct local or MMP-linked programs. Important: some funded rounds close quickly; do not interpret an old funding announcement as current availability. Review the live notice.
Maryland MMP lender directives · Housing Opportunities Commission
Baltimore City maintains its own homebuyer incentives, including a First-Time Homebuyers Incentive Program. Baltimore County eligibility and services are separate from Baltimore City; check the property jurisdiction before applying.
Howard, Frederick, Harford and Washington counties may have locally administered programs, funding rounds and workforce or targeted benefits. Use the state MMP directory and county housing authority to confirm the current program.
Sometimes. County assistance has its own approved lender, lien and program-combination rules. Confirm that the specific first mortgage and second loan can be layered before making an offer.
The 1st Time Advantage products generally require first-time buyer status or a recognized exception. Some MMP Flex products can serve repeat buyers. MMP also has veteran and targeted-area exceptions with specific documents.
Not necessarily. MMP 1st Time Advantage 5% assistance is generally a zero-interest deferred second lien that becomes payable when the first mortgage terminates.
Potentially. MMP recognizes an honorably discharged veteran exception when the borrower has not previously used the exemption and supplies the required documentation.
Start with the property county and household income. Compare the state MMP products and the official county housing agency rules, including whether funds are currently available.
Start with the program operator before relying on assistance amounts. Official resources: MMP, Prince George's County, ACDS
Funding availability, credit rules, household income, property condition, approved-lender requirements and repayment triggers can change. This educational guide is not a commitment to lend or an agency endorsement.
Tell Ken the location, approximate purchase price, income type and your expected purchase timeline. We can compare eligible options before you write an offer.
Find My Financing OptionsSubmit a ScenarioReviewed October 28, 2026. Written for buyers throughout Maryland and Virginia by Ken Powell, NMLS #2656628.
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