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Direct Homeownership Assistance Program

Up to $5,000 toward a down payment in MD.

See if I qualify
Location
MD
Type
Forgivable assistance
Max assistance
$5,000
Income limit
$129,050
First-time buyer
Required
Property types
Single family, Townhouse, Condo, 2–4 unit (owner-occupied)

$5,000 forgivable second-mortgage bonus on top of the First-Time Homebuyers Incentive Program for buyers who are either (a) renters purchasing their current rental home of 6+ months OR (b) households with a member with a disability. 5-year forgivable, 0%, 80% AMI cap, FTHB-only, Baltimore City only.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Direct Homeownership Assistance Program, explained

A short, free course on Direct Homeownership Assistance Program: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.