Maryland's state homeownership program offering down payment and closing cost assistance of up to 3% of the first mortgage loan amount as a 0% interest deferred subordinate loan. Administered by the Maryland Department of Housing and Community Development (DHCD) and available statewide to income-eligible first-time homebuyers.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on Maryland Mortgage Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.