Up to $2,250Cumberland · Allegany County
Cumberland Closing Cost Assistance Grant
Assistance grant · First-time homebuyers · Income limit 80% of area median income
Names: veterans · Homebuyer class required
See details →Programs by situationPrograms by situation · Maryland
Down payment assistance for veterans and military families in Maryland
13 programs name veterans and military families: 2 city, 1 county program, 10 statewide.13 programs in Maryland name veterans and military families among the groups they serve: 2 run by a city, 1 run by a county and 10 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a veteran puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a veteran gets a program onto this list; it does not decide whether you can use it.
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The 13 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Maryland. Listed A–Z within each group, not ranked.
In a Maryland city 2 programs
For homes inside that city’s limits onlyUp to $40,000Gaithersburg · Montgomery County
Gaithersburg Homebuyer Assistance Loan Program (GHALP)
Deferred second loan · First-time homebuyers · Income limit 120% of area median income
Names: veterans, teachers and first responders · Homebuyer class required
See details →In one county 1 program
For homes anywhere in the county or the counties namedUp to $50,000Montgomery County
Montgomery Homeownership Program
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Anywhere in Maryland 10 programs
Can sit alongside a city or county program where both allow itDeferred
1st Time Advantage 3% Loan
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Deferred
1st Time Advantage 4% Loan
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Deferred
1st Time Advantage 5% Loan
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Deferred
1st Time Advantage 6000
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Deferred
HomeAbility
Deferred second loan · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Forgivable
Homestart 6% DPA Loan
Forgivable loan · First-time homebuyers · Income limit 50% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Forgivable
Maryland SmartBuy 3.0
Forgivable loan · First-time homebuyers
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Deferred
MMP Flex 3% Loan
Deferred second loan
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Nationwide 5 programs · not in the 13
Nationwide: 5 more, not in the 135 nationwide programs that also name veterans and military families, each with its own area and eligibility rules
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- U.S. Department of Veterans Affairs Native American Direct Loan
- U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
- U.S. Department of Veterans Affairs VA-backed Purchase Loan
- All nationwide programs →
What to know
What the 13 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 13 of 13
ask for a homebuyer education class.
- 10 of 13
are limited to first-time homebuyers, as each program defines it.
- 12 of 13
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in MarylandFree help in Maryland
48 HUD-approved counseling agencies in Maryland48 HUD-approved housing counseling agencies in Maryland
All 13 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.All 13 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a veteran. Create a free account to see who’s near you.
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More of Maryland’s programs
Questions, answered
Does being a veteran mean I can use these programs?
No. These programs name veterans and military families in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
Why are nationwide programs listed separately?
A nationwide program is not one of Maryland’s own, so it is listed below the 13 Maryland programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.