Baltimore · Baltimore City County
Baltimore Southwest Partnership Inc Down Payment Assistance Program
Deferred second loan · 100% of area median income
Programs by loan typePrograms by loan type · Maryland
Down payment assistance you can pair with an FHA loan in Maryland
50 programs name FHA loans: 15 city, 24 county or regional, 11 statewide.50 programs in Maryland name FHA loans among the first mortgages they can be paired with: 15 run by a city, 24 by a county or regional agency and 11 open statewide.
Two approvals, made separately. The lender underwrites the FHA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the FHA loan; the assistance program reviews its own application. A program naming FHA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 50 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 15 programs
For homes inside that city’s limits onlyBaltimore · Baltimore City County
Baybrook Boost
Forgivable loan · 100% of area median income
Baltimore · Baltimore City County
Buy Back the Block
Assistance grant · 120% of area median income
Baltimore · Baltimore City County
Buying Into Baltimore Down Payment and Closing Cost Assistance
Forgivable loan
Baltimore · Baltimore City County
Central Baltimore Homebuying Incentive Program
Forgivable loan · 120% of area median income
Baltimore · Baltimore City County
Direct Homeownership Assistance Program
Forgivable loan · 80% of area median income
Hagerstown · Washington County
Down Payment & Closing Cost Assistance - City of Hagerstown
Deferred second loan · 80% of area median income
Baltimore · Baltimore City County
FHLBank Atlanta First-Time Homebuyer Product
Forgivable loan · 80% of area median income
In a county or region 24 programs
For homes anywhere in the county or the counties namedMulti-county
Chase Homebuyer Grant
Assistance grant
Multiple County
Closing Cost and Downpayment Grants
Forgivable loan · 80% of area median income
Multiple County
Closing Cost Loans
Deferred second loan · 120% of area median income
Queen Anne's County
Critical Workforce (CWF) Second Mortgage Financing Program
Deferred second loan · 120% of area median income
Charles County
First Time Home Buyers Settlement Expense Loan Program (SELP)
Deferred second loan · 120% of area median income
Frederick County
Frederick County Homebuyer Assistance Program (HAP)
Deferred second loan · 80% of area median income
Multi-county
LEDC Down Payment Assistance Program
Assistance grant · 120% of area median income
Multi-county
M&T Bank First-Time Homebuyer Grant
Assistance grant · 80% of area median income
Anywhere in Maryland 11 programs
Can sit alongside a city or county program where both allow it- 1st Time Advantage 3% LoanDeferred second loan · First-time homebuyers
- 1st Time Advantage 4% LoanDeferred second loan · First-time homebuyers
- 1st Time Advantage 5% LoanDeferred second loan · First-time homebuyers
- 1st Time Advantage 6000Deferred second loan · First-time homebuyers
- HomeAbilityDeferred second loan
- Homestart 6% DPA LoanForgivable loan · First-time homebuyers
- Maryland Mortgage ProgramDeferred second loan · First-time homebuyers
- Maryland SmartBuy 3.0Forgivable loan · First-time homebuyers
- MMP Flex 3% LoanDeferred second loan
- MMP Flex 6000Up to $6,000 · Deferred second loan
- Partner Match ProgramsDeferred second loan · First-time homebuyers
Nationwide 33 programs · not in the 50
Nationwide: 33 more, not in the 5033 nationwide programs that also name FHA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- BluePoint Mortgage Zero-Down Home Loan
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Direct Mortgage Loans Go Direct FHA 100% Financing
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage MyPath2Own Program
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
- U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- All nationwide programs →
What to know
What the 50 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.
- 46 of 50
ask for a homebuyer education class.
- 36 of 50
are limited to first-time homebuyers, as each program defines it.
- 33 · 10 · 7
are deferred second loans, forgivable loans and assistance grants.
Free help in MarylandFree help in Maryland
48 HUD-approved counseling agencies in Maryland48 HUD-approved housing counseling agencies in Maryland
46 of 50 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and an FHA loan fit together.46 of 50 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Maryland’s programs
Questions, answered
Can down payment assistance be used with an FHA loan in Maryland?
50 programs in Maryland name FHA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming FHA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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–September 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.