Buying a Home

​​​​Maryland Mortgage Program​

The strong Maryland Mortgage Program ( 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.

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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:

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.