Maryland homebuyer assistance

Use this research checklist to explore state and local down payment and closing cost assistance. This page does not claim a particular local program is currently accepting applications.

Start with these official resources

Maryland Mortgage Program — review state mortgage and assistance offerings.
Maryland Department of Housing and Community Development — confirm program rules and contacts.
Contact the local housing or community development office to ask about active programs, funding availability, and participating lenders.
HUD housing counseling — find counseling and homebuyer education resources.

Questions to ask before applying

Is the assistance a grant, deferred loan, forgivable loan, or repayable second mortgage?
Are there household income, purchase-price, credit, or first-time-buyer limits?
Does the property address qualify, and is funding currently available?
Are homebuyer education and a participating lender required?
Will the assistance have to be repaid if I sell or refinance?

Independent educational resource; not affiliated with Maryland government. No program match or loan approval is guaranteed. For specific terms, consult the administering agency.