Buying a Home

Maryland Mortgage Program​

The strong Maryland Mortgage Program (mmp.maryland.gov) is the Maryland Department of Housing and Community Development's flagship homeownership program. The program offers safe, secure loan options that are right for many Marylanders. The Maryland Mortgage Program has several important features:

Down Payment & Closing Cost Assistance
 

DOWN PAYMENT AND CLOSING COST ASSISTANCE


 

Generous interest-free, deferred loans to help you with down Payment and settlement expenses.

30-Year Fixed Rate
 

30-YEAR FIXED
MORTGAGE RATE


 

Competitive interest rates, locked in for 30 years so you know your payments.

Homebuyer Education
 

HOMEBUYER EDUCATION


 

Community-based homebuyer classes to help you understand the homebuying process.

Maryland Homecredit
 

MARYLAND HOMECREDIT


 

A federal tax credit worth up to $2,000 every year for the life of the mortgage.



Getting started is easy - you don’t even need to be actively searching for your new home to take the first steps towards homeownership:

Homeownership for Individuals with Disabilities Program

The department's Homeownership for Individuals with Disabilities Program provides affordable home loan options for families in which:

  • One of the borrowers is disabled OR
  • One of the borrowers has a child who is disabled (regardless of the age of the child) who resides with one of the borrowers and is cared for principally by one of the borrowers OR
  • One of the borrowers is a guardian for an immediate family member who is disabled

Department-Owned Properties

The Maryland Department of Housing and Community Development owns single family properties that may be purchased​ by homebuyers, non-profit organizations and public housing authorities.

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