MARYLAND LOAN PROGRAMS

Name of Program

Description

Location

FTHB?

FLEX 5000

Up to $5,000 to buy a home

 All of Maryland

First Time and Repeat Buyers

FLEX 4% GRANT

Receive 4% grant for down payment and closing costs

 All of Maryland

First Time and Repeat Buyers

FLEX 3% GRANT

Receive 3% of the sales price for down payment and/or closing costs

 All of Maryland

First Time and Repeat Buyers

SMART BUY 2.0

Up to $45,000 to buy a home. (Up to $40,000 for student loan debt and $5,000 in down payment assistance)

 All of Maryland

 FTHB

MORTGAGE ASSISTANCE PROGRAM 

Up to $20,000 to buy a home

Anne Arundel County

 FTHB

 EMPLOYEE HOMEOWNERSHIP 

Up to $5,000 for Baltimore City Employees

Baltimore City

 FTHB

 VACANTS TO VALUE BOOSTER 

Up to $10,000 for formerly distressed homes and distressed properties

Baltimore City

 FTHB

 BUYING INTO BALTIMORE 

Up to $5,000 to buy a home in Baltimore City

Baltimore City

 FTHB

 LIVE NEAR YOUR WORK 

Up to $18,500 to buy a home in Baltimore City. Funding is based on where you work.

Baltimore City

 FTHB

 NEIGHBORHOOD LIFT

Up to $15,000 for Baltimore ($17,500 for veterans and service members, teachers, law enforcement officers, firefighters and emergency medical technicians) 

Baltimore City

 FTHB

BOOST/Alternate Credit Loan (NHS Baltimore)

Up to $75,000 to buy a home in Baltimore City

Baltimore City

First Time and Repeat Buyers

HOMEOWNERSHIP GRANT 

Up to $5,000 for city employees, police officers, University of Maryland, Washington Metro Area Transit Authority (WMATA), Prince Georges County and Maryland National Captial Park and or career firefighthers and emergency medical technicians to buy a home

City of College Park

 FTHB

CPCUP HOME OWNERSHIP PROGRAM 

Up to $15,000 for University and City employees to buy a home

City of College Park

 FTHB

R.E.A.C.H. 

Up to $12,000 to buy a home 

City of Rockville

 FTHB

 FTHB SETTLEMENT EXPENSE LOAN 

Up to $6,000 to buy a home 

Charles County

 FTHB

 HOUSE KEYS 4 EMPLOYEES

Up to $7,500 to buy a home for Charles County Government employees

Charles County

 FTHB 

HOMEBUYER ASSISTANCE PROGRAM

Up to $10,000 for homebuyers withe incomes 80% or less of the Washington MSA median household income limit

Frederick County

 FTHB

HOME STARTER

Up to $40,000 - for down payment of up to 10% and closing costs

Howard County

 FTHB

HOME STEADER

Up to $25,000 - for down payment and closing costs

Howard County

 FTHB 

DREAMMAKER

Up to $15,000 - for down payment and closing costs

Howard County

 FTHB

REVITALIZATION

Up to $25,000 - for down payment and closing costs to buy a home in 21045 or 20723 and the home must be pending foreclosure or foreclosed

Howard County

 FTHB

WORKFORCE INITIATIVE  

Up to $4,300 for 50% of transfer and recordation taxes at closing

Howard County

 FTHB

MONTGOMERY HOMEOWNERSHIP PROGRAM IV

Up to $25,000 to buy a home

Montgomery County

 FTHB

MORTGAGE PURCHASE PROGRAM

Up to $10,000 to buy a home

Montgomery County

 FTHB

PATHWAY TO PURCHASE

Up to $10,000 to buy a home. There is a 10 year residence requirement or the funds must be repaid if home is sold, property is refinance or transferred.

Prince Georges County

 FTHB