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ONE+ by Rocket Mortgage

Rocket Mortgage, LLC · Statewide County, Maryland

Last verified
See what you qualify forOfficial program site →
Assistance

$7,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is ONE+ by Rocket Mortgage?

ONE+ by Rocket Mortgage is a grant for homebuyers in Statewide County, Maryland, administered by Rocket Mortgage, LLC.

  • ONE+ lets eligible buyers put 1% down (up to 3%) while Rocket contributes 2% of the purchase price as a grant toward the down payment (up to $2,000; max total benefit $7,000 on loans up to $350,000). Conventional loans, primary residence, income <= 80% county AMI, 620+ credit. No repayment; no tract restriction (statewide in MD).
  • As little as 1% down.
  • 2% grant (up to $2,000), no repayment.
  • Statewide (income-based).
  • Conventional, primary residence.
  • Funding comes from Rocket Mortgage, LLC (lender-funded grant).

How much assistance does it provide?

ONE+ by Rocket Mortgage offers up to $7,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Rocket Mortgage, LLC determines any individual award.

Do you have to pay it back?

ONE+ by Rocket Mortgage is structured as a grant, so it is not repaid.

  • Repayment is triggered by None - grant, no repayment.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

ONE+ by Rocket Mortgage is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: 620 or higher
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Lender-specific (Rocket conventional). Income <= 80% county AMI; 620+; max loan $350,000; MI passed through to client. UNCONFIRMED: homebuyer-education. Statewide MD availability inferred (income-based, no tract restriction, Rocket lends in all states).

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

ONE+ by Rocket Mortgage limits household income to 80% of the area median income, which varies by county and household size.

  • Qualifying income <= 80% of county AMI.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

ONE+ by Rocket Mortgage can be used for Single Family, Condo, and Townhouse.

Where does it apply?

ONE+ by Rocket Mortgage serves buyers purchasing in Statewide County, Maryland.

How do you apply?

Applications for ONE+ by Rocket Mortgage go through Rocket Mortgage, LLC, which publishes the current terms and the application steps on its own site.

  1. Contact Rocket Mortgage, LLC to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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