Increase your buying power in Maryland
55 homebuyer assistance programs in Maryland put grants, forgivable loans and special mortgages toward your down payment and closing costs, so your budget goes further. Add creative financing like seller credits and rate buydowns, and it stretches even more.
What 55 programs tell us about buying in Maryland
Mostly 0% deferred loans
27 of 55 Maryland programs are deferred loans, typically 0% and repaid only when you sell, refinance or pay off the first mortgage.
State money pairs with local money
Maryland Mortgage Program assistance can be combined with county and employer funds through its Partner Match program, and counties from Howard to Queen Anne’s add up to $50,000.
The deepest lender bench we track
50 multi-state programs from FHLBank Atlanta, regional credit unions and national banks serve Maryland, second only to Virginia.
How the help arrives · 55 programs
Award sizes · grants and loans with a dollar cap
6 more pay a percentage of the price or loan, which scales with the home you buy. Your award depends on income, price and location.
Who runs them
14 programs are available statewide. 41 are limited to a city, county or region, so the address you buy at changes what you can get.
More programs, more buying power. Most buyers qualify for more than one. The Wallet Wizard checks income limits, price caps and location rules across all 55 Maryland programs and 50 multi-state programs at once, and shows where creative financing like seller credits can stack on top.
Check my eligibilityPrograms to know in Maryland
A few of the 55 programs we track, chosen for reach, award size and terms. Amounts are program maximums; what you receive depends on income, price and location.
Maryland HomeAbility
Maryland Department of Housing and Community DevelopmentUp to $45,000 at 0% for down payment and closing costs; with the first mortgage, it can fund up to 105% of the price.
SmartBuy 3.0
Maryland Department of Housing and Community DevelopmentPays off student debt, up to 15% of the purchase price, for buyers with at least $1,000 in student loans.
1st Time Advantage 6000
Maryland Mortgage Program (DHCD)$6,000 at 0% toward down payment and closing costs, plus any partner match from an employer or county.
Montgomery Employee Down Payment Assistance (MEDPAL)
Maryland DHCD with Montgomery CountyA fixed $25,000 toward down payment and closing costs for eligible Montgomery County employees.
HomeStarter Loan
Howard CountyUp to $40,000 for down payment, closing costs and related expenses, for households at or below 80% of area median income.
Buy Back the Block
Live Baltimore$15,000 toward buying a home, or $20,000 when you also renovate, for Baltimore City residents up to the greater of $140,760 or 120% of area median income.
50 multi-state programs also serve Maryland
Offered by banks, credit unions and Federal Home Loan Banks in several states at once. Most are tied to that lender's own mortgage, so the lender you choose decides whether you can use them. The Wallet Wizard shows which ones you can pair.
These are 4 of the 50 multi-state programs open to Maryland buyers. See which ones you qualify for
See how much more home you can afford in Maryland
- 1Answer a few questions in the Wallet WizardWhere you want to buy, household size, income range, job and military status.
- 2Get matched against every program we trackIncome limits, price caps, location rules and repayment terms, checked for you.
- 3Work with a pro who knows creative financingAgents and loan officers on Homebuyer Wallet see the same matches you do, and can layer in seller credits, lender credits and rate buydowns.
Every Maryland program, matched to your buyer in seconds
Homebuyer Wallet gives professionals the full program record: income tables, price caps, approved lenders, provider contacts and application steps. Close the deals that stall on cash to close.
Maryland homebuyer assistance FAQ
How much down payment assistance can I get in Maryland?
It depends on where you buy and your household income. Among the 39 Maryland programs we track that publish a dollar cap, the median award is $15,000. Others pay a percentage of the price or loan. The Wallet Wizard shows the amounts you could get for the home you want.
How do these programs increase my buying power?
Assistance covers part of your down payment or closing costs, or lowers your rate, so less of your own cash goes in upfront. The same savings and income can then support a higher purchase price or a lower monthly payment. Many buyers stack a statewide program with a local one to stretch further.
Can I combine these programs with seller credits or other creative financing?
Usually, yes. Seller credits toward closing costs, lender credits and rate buydowns can often be used alongside assistance programs, within your loan’s limits. The Wallet Wizard shows what fits together, and Homebuyer Wallet agents and loan officers can help you structure it.
Do I have to pay the assistance back?
20 of the 55 active programs (36%) are grants or forgivable loans: you repay nothing if you keep the home as your primary residence for the required period. 27 more are deferred or repayable second loans, due when you sell, refinance or move out, or paid monthly.
Do I need to be a first-time homebuyer?
Not always. 2 of the 55 Maryland programs we track explicitly require first-time status, and most of those count anyone who has not owned a home in the past three years. The Wallet Wizard checks each program’s ownership rule for you.
Are there programs for teachers, first responders or other workers?
Yes. 10 programs we track in Maryland are tied to a specific employer or profession, such as public employees, educators, first responders, healthcare workers or service members. Job-based programs often stack with income-based ones.
Can I combine more than one program?
Sometimes. Maryland has 14 programs available statewide and 41 limited to a city, county or region. Many local programs are built to layer on top of a statewide loan; others prohibit stacking. Your lender confirms what combines with your first mortgage.
How do I find out which programs I qualify for?
Answer a few questions in the Wallet Wizard: where you want to buy, household size, income range and job. It checks income limits, price caps, location rules and funding status across every program we track in Maryland, plus multi-state and national programs, and shows the ones that fit.
How current is this information?
Our team reviews every program against the provider’s own materials on a rolling basis. 1 program we track is currently paused, out of funds or waitlisted and not counted on this page. Funding opens and closes often; the Wallet Wizard shows each program’s current status.
Explore another state
All Top ProgramsSource: the Homebuyer Wallet database of 2,000+ Community Home Investment Programs (CHIPs). Each program is reviewed by our team against the provider’s own website and documents. Award amounts are program maximums.