Maryland Mortgage Program (MMP)
Helping Maryland buyers make homeownership possible
through down payment assistance and special loan products.
Helpful Tools & Resources
Official state resources to guide your application.
Loan Programs Explained
1st Time Advantage
For first-time buyers only.
- Advantage 6000: $6,000 for down payment & closing costs (0% interest).
- Advantage 3%, 4%, 5%: Loan amount % provided as a 0% second loan.
- HomeStart: 6% DPA for borrowers earning 50% or less of AMI.
Flex Loans (Repeat Buyers)
Open to repeat buyers.
- Flex 5000: $5,000 second loan (0% interest, due at sale/refinance).
- Flex 3%: 3% of first mortgage amount as a 0% second loan.
- Flex Direct: Competitive rates with no DPA attached.
Specialty & Student Debt Programs
Maryland SmartBuy 3.0
Buy a home and pay off student debt at the same time.
- Get up to 15% of purchase price (max $20k) to pay off student debt.
- Must fully pay off existing balance for at least one borrower.
Montgomery County Specials
Exclusive to Montgomery County buyers.
- Homeownership Program: Up to $25,000 for down payment/closing (0% interest).
- County Employees: $25,000 forgivable loan for eligible employees.
Ready to Apply?
Contact me for guidance on using the Maryland Mortgage Program to buy your next home.
