Maryland Mortgage Program 1st Time Advantage down payment assistance
Open · Deferred loan$6,000, or 3%–5% of the first mortgage depending on the loan (6% for incomes at or below 50% of area median), plus up to $2,500 in Partner Match
A 0% second loan with no monthly payments, due when you sell, refinance or pay off the first mortgage. Comes with a Maryland Mortgage Program first mortgage. With the $6,000 version, help from an approved employer, builder or community partner is matched up to $2,500. Repeat buyers can use the Flex versions.
Who qualifies: First-time buyers (or veterans, or buyers in targeted areas) for 1st Time Advantage; MMP income, price and credit requirements; homebuyer education.
Maryland Department of Housing and Community Development · Agency website → · Checked 2026-09-30