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Maryland Mortgage Program

Down Payment Assistance

Most Maryland Mortgage Program loan products for first-time and repeat homebuyers offer down payment assistance. There are also specialty loan products through the Maryland Mortgage Program that target assistance for certain borrowers and offer assistance:

Two of the Maryland Mortgage Program loan products – 1st Time Advantage 6000 and Flex 6000 loans – allow for the borrower to additionally utilize down payment assistance through a Maryland Mortgage Program partner and receive an up to $2,500 match. 

Partner match programs

Many organizations offer homebuyers grants, loans and other assistance, including:

  • Employers making an investment in the long-term sustainability of their workforce,
  • Home builders and real estate developers who give financial and other incentives to encourage purchase of their properties,
  • Community organizations and local governments that encourage homeownership as a way of building sustainable neighborhoods, as well as attracting new residents to their community.

If you’re using the Maryland Mortgage Program’s 1st Time Advantage 6000 or the Flex 6​000 loan products to purchase your home, any financial assistance you receive from one or more MMP approved Partner is matched (up to $2,500) as additional down payment assistance. ​This additional funding is available as a no-interest, deferred loan from the state, payable when the first mortgage is fully paid off.​​​​​

There are many organizations that have already been certified as Partners, and you can search our listings to find Partners that can help you: ​​

Employer Partners
See if your employer is an MMP Partner and learn how workplace homebuyer assistance can be added to your loan.

Homebuilder Partners
Find participating home builders and developers offering incentives that can be included in your MMP home loan.

Community Partners
Explore community and local government partners that provide homebuyer assistance and additional loan incentives.

Talk to one of our state-approved mortgage lenders​ to learn how you can add Partner Match assistance to your Maryland Mortgage Program home loan. ​​​​​​​​​​​​

Down payment assistance offered by location

To help make homeownership more attainable, many Maryland counties and cities also offer local down payment and settlement assistance programs. These programs provide financial support to qualified buyers, often in the form of grants or low-interest loans, to help cover your down payment and closing costs.

Read more about down payment assistance programs organized by county to learn more about eligibility and how to apply.