Mortgage Programs

Maryland Mortgage programs offer a range of benefits to potential homeowners, including access to financing that can make purchasing a home more affordable, and the ability to customize loan terms to fit their needs. By seeking out a mortgage program, individuals can take advantage of a variety of options designed to help them achieve their homeownership goals.

Please understand that Maryland simply facilitates the connection between you and mortgage programs throughout Maryland. Each county has its own rules and regulations that are independent of Maryland Please reach out to the specific county for further information regarding their mortgage programs.


U.S. Veterans Affairs

Allegany County

Habitat for Humanity of Allegany:

Cumberland Neighborhood Closing Cost Assistance Grants:
Closing Cost Grants | Cumberland Neighborhood Housing Services, Inc.

Baltimore City

Calvert County

Carroll County

Interfaith Housing Purchase-Repair Homeownership Program:

Habitat for Humanity of Carroll – Homeownership:
Homeownership Program | Carroll County Habitat for Humanity (

Caroline County

Habitat for Humanity Tuckahoe – Homeownership Program:
Tuckahoe Habitat | Habitat for Humanity

Cecil County

Garrett County

Garrett County Habitat – Homeowner:
Become a Homeowner | Garrett County Habitat for Humanity

Garrett County Community Action – Homebuyer Program:
Homebuyer Program (

Howard County

Settlement Downpayment Loan Program – Includes HomeStarter, HomeSteader, DreamMaker, Revitalization and Workforce Initiative Loans:

Moderate Income Housing Unit (MIHU) Program:

Habitat for Humanity of the Chesapeake:

Kent County

Kent Attainable Housing Future Homeowners Program: Become a Homeowner – Kent Attainable Housing

Montgomery County

Queen Anne's County

St.Mary's County

Housing Authority – Holland Forrest Landing Homeownership Program:
Housing Assistance & Community Development | St. Mary’s County, MD (

Patuxent Habitat for Humanity – Purchase Program:
Homeownership | Patuxent Habitat for Humanity

Washington County

Interfaith Housing Purchase-Repair Homeownership Program:

Habitat for Humanity of Washington – Purchase Program:
Homeownership Program — Habitat for Humanity of Washington County (

Hagerstown Homownership Program:
Homeownership Program | Hagerstown, MD – Official Website (