Always check official program details. This guide does not list amounts or eligibility because programs, funding, and rules change. Assistance is never guaranteed; the program administrator and participating lender make all decisions.
Maryland Mortgage Program (MMP)
Maryland's state homeownership program, offered through the Department of Housing and Community Development and participating lenders. Review current loan and assistance options on the official site.
Prince George's County
The county Department of Housing and Community Development is the starting point for any county homebuyer programs. Search its site for current offerings.
Charles County
Contact the county about any current homebuyer or housing programs and how they work with state options.
Anne Arundel County
Arundel Community Development Services administers county housing programs and homeownership counseling.
Montgomery County
The Department of Housing and Community Affairs and the Housing Opportunities Commission are the official sources for county housing programs.
Housing counseling
HUD-approved counseling agencies can help with budgeting, credit, and program education—and some programs require a homebuyer class.
Questions to ask before you apply
- Is the assistance a grant, a deferred loan, or a repayable loan?
- Are there income, purchase-price, or first-time buyer requirements?
- Is a homebuyer education class required?
- Does the property have to be my primary residence, and for how long?
- What happens if I sell, refinance, or move?
- Which lenders participate, and is funding currently available?
- Can this assistance be combined with other programs or seller credits?
How to get started
- Read the official program pages for your county and the state.
- Talk with a participating lender about which programs fit your loan.
- Take any required homebuyer education class early.
- Get current written terms before you count on assistance.
- Estimate your remaining cash to close with the Closing Cost Estimator.
Quan Campbell is a REALTOR® with RLAH Real Estate | @properties, not a lender or program administrator. Links are educational starting points, not endorsements. External sites have their own privacy and accessibility practices.
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