Help to buy in Maryland
Home-buying assistance programs in Maryland
3 official programs for down payment and closing cost help in Maryland, from Maryland Mortgage Program. We show what each program says on its own page, with the date we checked it.
Key numbers in Maryland
- Verified programs
- 3
- from Maryland Mortgage Program
- First-time buyers only
- 2
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 3 · unconfirmed: 0
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
-
Deferred
Second loan with no payments until you sell or refinance
-
Forgivable
Second loan forgiven if you stay in the home
The full list
Programs in Maryland
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
-
- Deferred
Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan
What it gives, per the source
Comes with a $6,000 loan for down payment and closing costs. … no payments are due for the life of the first mortgage. … zero percent deferred second lien
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- No, per its site
Run by Maryland Mortgage Program (Maryland Department of Housing and Community Development)
Verified November 5, 2026
-
- Deferred
Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan
What it gives, per the source
Some Flex products include down payment assistance as a no-interest, deferred second loan. … Flex 6000 … Comes with a $6,000 loan for down payment and closing costs. This second lien has a zero percent interest rate, and no payments are due for the life of the first mortgage. As soon as the first mortgage ends (repayment, refinance, transfer, sale, etc.), the second lien is due and payable. … Flex 3% Loan … Comes with a DPA loan equal to 3% of the first mortgage in a zero percent deferred second lien.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- No, per its site
Run by Maryland Mortgage Program (Maryland Department of Housing and Community Development)
Verified November 5, 2026
-
- Forgivable
Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home
What it gives, per the source
Get up to 15% of the home purchase price (maximum $25,000) to pay qualifying student debt (any amount over this limit is paid out of pocket) … The student debt payoff portion is a 0% interest loan that is fully forgiven after 5 years if you stay in the home … No monthly payment on the student debt assistance … May be combined with some MMP down payment assistance (if eligible)
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- No, per its site
Run by Maryland Mortgage Program (Maryland Department of Housing and Community Development)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Maryland
One program we checked in Maryland to repair your home or make it more efficient, with what its page says.
-
Maryland Weatherization Assistance Program (WAP)
Run by Maryland Department of Housing and Community Development (DHCD)
Maryland weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Maryland?
Of the 3 programs on this page, 2 require it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 3; not confirmed on its site, 0. Ask the participating lender directly before you start, and ask for it in writing.