Please understand that Maryland Homeownership.com simply facilitates the connection between you and mortgage programs throughout Maryland. Each county has its own rules and regulations that are independent of Maryland Homeownership.com. Please reach out to the specific county for further information regarding their mortgage programs.
Maryland Mortgage Program
MMP Smart Buy 3.0:
https://mmp.maryland.gov/Pages/SmartBuy/default.aspx
MMP 1st Time Advantage:
https://mmp.maryland.gov/Pages/1stTimeAdvantage.aspx
MMP Flex Loans:
https://mmp.maryland.gov/Pages/FlexLoans/default.aspx
MMP HomeAbility:
https://mmp.maryland.gov/Pages/HomeAbility/default.aspx
U.S. Housing and Urban Development
Good Neighbor Next Door:
https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot
FHA Loans:
https://www.hud.gov/buying/loans
FHA 203B Mortgage:
https://www.hud.gov/program_offices/housing/sfh/ins/sfh203b
FHA 203k Mortgage:
https://www.hud.gov/program_offices/housing/sfh/203k
Freddie Mac
Home Possible Mortgage:
Home Possible® - Freddie Mac Single-Family
Home One Mortgage:
HomeOne® - Freddie Mac Single-Family
USDA Rural Development
Single Family Housing Direct Loans:
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-direct-home-loans
Single Family Housing Guaranteed Loan Program:
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program
U.S. Veterans Affairs
VA-Backed Purchase Loan:
Purchase Loan | Veterans Affairs (va.gov)
Allegany County
Habitat for Humanity of Allegany:
https://alleganycountyhfh.org/housing
Cumberland Neighborhood Closing Cost Assistance Grants:
Closing Cost Grants | Cumberland Housing
Anne Arundel County
Mortgage Assistance Program:
https://acdsinc.org/housing-resources/homebuyers/mortgage-assistance/
Habitat for Humanity of the Chesapeake:
https://www.habitatchesapeake.org/work/homeownership-program/
Annapolis MPDU Program:
Moderately Priced Dwelling Units (MPDU) | Annapolis, MD
Annapolis Settlement Expense Assistance Program:
MPDU Settlement Expense Assistance Program | Annapolis, MD
Baltimore City
Baltimore City Employee Homeownership Program:
https://dhcd.baltimorecity.gov/hho/homeownership-incentives
Buying Into Baltimore:
https://dhcd.baltimorecity.gov/hho/homeownership-incentives
First-Time Homebuyers Incentive Program:
https://dhcd.baltimorecity.gov/hho/homeownership-incentives
Live Near Your Work:
https://dhcd.baltimorecity.gov/hho/homeownership-incentives
Vacants to Value Booster:
https://dhcd.baltimorecity.gov/hho/homeownership-incentives
Healthy Neighborhoods Purchase and Repair Loans:
Our Loans | Healthy Neighborhoods
Habitat for Humanity of the Chesapeake:
https://www.habitatchesapeake.org/work/homeownership-program/
Baltimore County
Settlement Expense Loan Program (SELP):
Housing Opportunities and Finance | Baltimore County Government (baltimorecountymd.gov)
Habitat for Humanity of the Chesapeake:
https://www.habitatchesapeake.org/work/homeownership-program/
Lifebridge Health Employees Live Near Your Work Program:
Housing Opportunities and Finance | Baltimore County Government (baltimorecountymd.gov)
Calvert County
House Keys 4 Employees:
Housing Programs | Calvert County, MD - Official Website (calvertcountymd.gov)
Patuxent Habitat for Humanity – Purchase Program:
Homeownership | Patuxent Habitat for Humanity
Carroll County
Interfaith Housing Purchase-Repair Homeownership Program:
https://www.interfaithhousing.org/programs
Habitat for Humanity of Carroll – Homeownership:
Homeownership Program | Carroll County Habitat for Humanity (cchabitat.org)
Caroline County
Maryland Rural Development First-Time buyer:
Housing – Maryland Development Rural Corporation (mrdc.net)
Cecil County
Habitat for Humanity Homeownership Program:
Homeownership – Habitat for Humanity, Susquehanna (habitatsusq.org)
Maryland Rural Development First-Time buyer:
Housing – Maryland Development Rural Corporation (mrdc.net)
Charles County
House for Keys Employees:
https://www.charlescountymd.gov/government/human-resources/benefits/employee-benefits/sheriff-s-office-retirement-plan/house-keys-4-employees
First Time Home Buyers Settlement Expense Loan Program (SELP):
https://www.charlescountymd.gov/services/health-and-human-services/housing-services/housing-authority
Dorchester County
Habitat Choptank – Homeownership:
Homeownership | Habitat for Humanity Choptank | Maryland Charities (habitatchoptank.org)
Maryland Rural Development First-Time buyer:
Housing – Maryland Development Rural Corporation (mrdc.net)
Frederick County
Frederick County Homebuyer Assistance Program:
https://frederickcountymd.gov/6375/Homebuyer-Programs
Frederick Habitat Land Trust:
Affordable Housing - Habitat for Humanity Frederick (frederickhabitat.org)
Interfaith Housing Purchase-Repair Homeownership Program:
https://www.interfaithhousing.org/programs
City of Frederick MPDU Program:
Housing Counseling Office | The City of Frederick, MD - Official Website (cityoffrederickmd.gov)
City of Frederick House Keys 4 Employees:
House Keys for Employees Program | The City of Frederick, MD - Official Website (cityoffrederickmd.gov)
City of Frederick Community Partners Incentive Program:
Community Partners Incentive Program | The City of Frederick, MD - Official Website (cityoffrederickmd.gov)
Garrett County
Garrett County Habitat – Homeowner:
Become a Homeowner | Garrett County Habitat for Humanity
Garrett County Community Action – Homebuyer Program:
Garrett County Community Action Committee Inc. | Empowering Individuals and Families to turn Aspirations into Achievements (garrettcac.org)
Harford County
Home Partnership Inc Downpayment Assistance:
Down Payment & Closing Cost Assistance — Home Partnership, Inc. (homepartnershipinc.org)
Habitat for Humanity Homeownership Program:
Homeownership – Habitat for Humanity, Susquehanna (habitatsusq.org)
Howard County
Settlement Downpayment Loan Program – Includes HomeStarter, HomeSteader, DreamMaker, Revitalization and Workforce Initiative Loans:
https://www.howardcountymd.gov/DHCD-SDLP
Moderate Income Housing Unit (MIHU) Program:
https://www.howardcountymd.gov/DHCD-MIHU-Program
Habitat for Humanity of the Chesapeake:
https://www.habitatchesapeake.org/work/homeownership-program/
Kent County
Kent Attainable Housing Future Homeowners Program: Become a Homeowner – Kent Attainable Housing
Maryland Rural Development First-Time buyer: Housing – Maryland Development Rural Corporation (mrdc.net)
Montgomery County
Montgomery County Homeownership Assistance Fund:
https://hocmc.org/homeownership.html
Montgomery County Moderately Priced Dwelling Unit Program (MPDU):
https://www.montgomerycountymd.gov/DHCA/housing/singlefamily/mpdu/index.html
Montgomery Mortgage Purchase Program (MPP):
https://www.hocmc.org/housing-opportunities/homeownership/the-mortgage-purchase-program/
Montgomery County Workforce Housing Program:
https://www.montgomerycountymd.gov/DHCA/housing/singlefamily/workforce/
Habitat for Humanity of Metro Maryland Home Purchase:
Habitat for Humanity Metro Maryland : Home Purchase : Home Purchase : Overview (habitatmm.org)
The City of Gaithersburg Downpayment Assistance Program:
Downpayment Assistance Program (DPA) | Gaithersburg, MD
Prince George's County
Pathway to Purchase Program:
https://www.princegeorgescountymd.gov/2598/Pathway-to-Purchase
Purchase Assistance Program:
https://www.princegeorgescountymd.gov/business/redevelopment-authority/first-time-home-buyer-assistance-programs/pathway-to-purchase
Habitat for Humanity of Metro Maryland Home Purchase:
Habitat for Humanity Metro Maryland : Home Purchase : Home Purchase : Overview (habitatmm.org)
Queen Anne's County
Maryland Rural Development First-Time buyer:
Housing – Maryland Development Rural Corporation (mrdc.net)
Queen Anne’s County MPDU:
Affordable & Workforce Housing Unit | Queen Anne's County, MD - Official Website (qac.org)
Queen Anne’s County Critical Workforce Home Loans:
Affordable & Workforce Housing Unit | Queen Anne's County, MD - Official Website (qac.org)
Somerset County
Closing Cost Loan – Somerset:
Somerset County - Salisbury Neighborhood Housing ServicesSalisbury Neighborhood Housing Services (salisburynhs.org)
St.Mary's County
Housing Authority - Holland Forrest Landing Homeownership Program:
Housing Assistance & Community Development | St. Mary's County, MD (stmaryshousing.org)
Patuxent Habitat for Humanity – Purchase Program:
Homeownership | Patuxent Habitat for Humanity
Talbot County
Easton Purchase Program:
Affordable Housing | Easton, MD (eastonmd.gov)
Habitat Choptank – Homeownership:
Homeownership | Habitat for Humanity Choptank | Maryland Charities (habitatchoptank.org)
Maryland Rural Development First-Time buyer:
Housing – Maryland Development Rural Corporation (mrdc.net)
Washington County
Interfaith Housing Purchase-Repair Homeownership Program:
https://www.interfaithhousing.org/programs
Habitat for Humanity of Washington - Purchase Program:
Homeownership Program — Habitat for Humanity of Washington County (habitat-wc.org)
Hagerstown Homownership Program:
Homeownership Program | Hagerstown, MD - Official Website (hagerstownmd.org)
Wicomico County
SNHS Closing Cost and Downpayment Grants:
Closing Cost Grants - Salisbury Neighborhood Housing ServicesSalisbury Neighborhood Housing Services (salisburynhs.org)
Closing Cost Loan – Wicomico:
Wicomico County - Salisbury Neighborhood Housing ServicesSalisbury Neighborhood Housing Services (salisburynhs.org)
Wicomico Habitat – Homeowner Program:
How to Apply - First Step - Habitat for Humanity of Wicomico County (wicomicohabitat.org)