Compare Assistance Types
Maryland Down Payment Assistance
Use these options as a conversation starter. Adam will check current funding, your eligibility, the mortgage pairing and lender participation before including assistance in your plan.
1st Time Advantage
First-Time Buyer FocusMaryland Mortgage Program first-mortgage options for eligible first-time buyers and permitted exceptions.
How it works: Available assistance and terms depend on the selected product. Review the first mortgage and any second loan together.
Official 1st Time Advantage Details (opens in a new tab)Maryland Mortgage Program Flex
First or Repeat BuyersOptions that can serve eligible first-time and repeat buyers.
How it works: Assistance structures vary by product. Ask about repayment triggers, the mortgage rate and total payment.
Official Maryland Mortgage Program Flex Details (opens in a new tab)SmartBuy, HomeAbility & Partner Match
Situation-Specific ResourcesReview specialized paths for eligible student debt, qualifying buyers with disabilities, or participating local and employer partners.
How it works: These programs have separate eligibility and funding requirements. A match or specialized benefit is not available to every borrower.
Official SmartBuy, HomeAbility & Partner Match Details (opens in a new tab)Maryland Mortgage Program: First-Time and Repeat Buyer Options
The Maryland Mortgage Program has a 1st Time Advantage product line for eligible first-time buyers and Flex options for first-time or repeat buyers. Some Flex products include a no-interest, deferred second loan for assistance. Ask Adam to check the current product, repayment terms and approved-lender requirements.
- Confirm buyer-status, household-income and property requirements.
- Ask if assistance is a grant or a second loan.
- Check homebuyer education and any location-specific rules.
Look for Location-Based Help
Maryland maintains an official assistance directory by location. Some county or community programs may be used with a state mortgage; others have separate funding or lender rules. Check the property’s location instead of assuming one statewide offer applies.
Estimate Taxes and Settlement Charges
Property taxes and transfer or recordation charges can differ by locality and contract. Ask Adam and the settlement provider for a property-specific estimate and review who pays each charge under your contract.
More Than One Financing Path
Self-Employed or Buying a Rental in Maryland?
Your documentation and property use matter alongside your buying state. Adam can review standard mortgage options and CCM’s Non-QM paths, including bank statements, 1099 or professional P&L statements, eligible assets and DSCR investor financing.
DSCR is for investment property. Non-QM availability and terms vary by product and property; state assistance should not be assumed to work with these loans.
Put the options together
What Could Work for Your Purchase?
Tell me where in Maryland you’re buying, your timeline and what you have set aside. We can review state and national options, the monthly payment and the cash you may still need.
Review My Homebuying Options
Get help connecting your budget, down payment and loan choices. Leave a short request for Adam to review.
Prefer to talk? Call 304.268.8864Before You Make an Offer
- Ask for the current property tax bill and check whether your bill could change after purchase.
- Get a homeowners insurance quote and check flood coverage needs.
- Confirm HOA dues, assessments and any program-specific property requirements.
- Ask whether assistance funds are available for your loan and closing timeline.
National Down Payment Assistance
State programs are one path. Ask Adam about national down payment assistance options, too. Their rules may differ from state housing-agency programs; the specific product, property and borrower still need a review.
Assistance is not always a grant. Some options create a second loan or require repayment when you sell, refinance or no longer meet program conditions. The rate and total payment may differ from a loan without assistance. Availability, funding and eligibility must be confirmed for your purchase.
Explore national down payment assistance →Questions Buyers Ask
Can a repeat buyer use the Maryland Mortgage Program?
MMP Flex options serve eligible first-time and repeat buyers. The first mortgage and assistance still have their own income, property and loan requirements.
Can assistance cover every dollar at closing?
Not necessarily. Deposits, prepaids, inspections or uncovered costs may remain.
Official State Resources
Program terms and funding can change. Ask Adam to help verify current details with the agency, including lender-participation requirements.