Maryland down payment assistance at a glance
The Maryland Mortgage Program (MMP), run by the Maryland Department of Housing and Community Development, offers first mortgages with down payment assistance through approved lenders.
Want the full Maryland breakdown? Our dedicated Maryland guide covers programs, local options, and current details: visit the Maryland DPA guide →
Statewide programs
MMP 1st Time Advantage
First-mortgage options for eligible first-time buyers that pair with MMP down payment assistance.
MMP down payment assistance
Deferred assistance for down payment and closing costs, repaid when you sell, refinance, or pay off the first mortgage.
Partner Match
Programs where participating employers, counties, or builders may add matching funds.
County programs
Several Maryland counties offer additional assistance for eligible buyers.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Counties such as Montgomery, Prince George's, Howard, and Baltimore have offered their own programs. Some can be combined with MMP.
What Maryland buyers should know
- MMP has offered special options in targeted areas and for certain professions — ask about current incentives.
- Income and purchase price limits vary by county.
Next step
Matthew Brown is licensed in Maryland and can check which statewide and local programs fit your income, credit, and the home you want to buy.