Maryland • First-Time Homeowner programs
First-Time Homeowner grants in Maryland
Browse first-time homeowner grants available in Maryland, including statewide and local programs.
5 active programs in Maryland
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City of Bowie – Office of Grant Development & AdministrationMDFirst-Time HomeownerLocal closing cost assistance grant layered with a Maryland Mortgage Program first mortgage, where the City of Bowie provides a 2000 dollar grant that is typically matched by a 2000 dollar MMP grant for eligible buyers.
Updated: Dec 6, 2025
“Bowie First” is a targeted home buyer assistance grant that helps Bowie workers and residents with disabilities cover closing costs when buying a home in the city, often doubling via an MMP match.
Eligible for: Teachers, police officers, City of Bowie employees, and persons with disabilities purchasing a primary residence within Bowie city limits; b…
Prince George’s County Department of Housing and Community DevelopmentMDFirst-Time HomeownerCounty level down payment and closing cost assistance provided as a subordinate loan of up to 50000 dollars that is layered with a Maryland Mortgage Program 1st Time Advantage first mortgage for eligible buyers in Prince George's County.
Updated: Dec 6, 2025
Large county-level down payment and closing-cost assistance program layered with the Maryland Mortgage Program to help first-time buyers purchase in Prince George’s County.
Eligible for: First-time homebuyers (no ownership in prior 3 years) purchasing an owner-occupied home anywhere in Prince George’s County; must meet income…
Frederick County Division of Housing / Department of Housing and Community DevelopmentMDFirst-Time HomeownerCounty administered zero percent interest deferred payment second loan that provides down payment and closing cost assistance up to 12000 dollars for qualifying first time buyers in Frederick County.
Updated: Dec 6, 2025
Frederick County’s HAP program offers zero-interest, deferred loans up to $12,000 to help limited-resource first-time buyers cover down payment and closing costs on homes in the county.
Eligible for: First-time homebuyers who live and/or work in Frederick County, have total gross household income at or below 80% of the Washington, DC MSA …
Maryland Department of Housing and Community Development – Maryland Mortgage ProgramMDFirst-Time HomeownerState housing finance platform that delivers affordable 30 year fixed rate mortgages through approved lenders and layers in down payment and closing cost assistance, Partner Match funds, mortgage credit certificates and specialty offerings such as SmartBuy for eligible Maryland homebuyers.
Updated: Dec 6, 2025
Landing hub for the Maryland Mortgage Program, connecting homebuyers to approved lenders, loan options, down payment assistance, SmartBuy student-debt relief and homebuyer education.
Eligible for: Maryland buyers who meet household income and purchase-price limits, qualify for an eligible first mortgage under MMP guidelines, complete a…
Maryland Department of Housing and Community Development – Maryland Mortgage ProgramMDFirst-Time HomeownerStatewide menu of 30 year fixed rate government and conventional mortgages bundled with multiple down payment and closing cost assistance options including Loan Assist, Grant Assist, Partner Match and specialty products such as HomeAbility and Maryland SmartBuy.
Updated: Dec 6, 2025
Statewide overview of MMP’s 1st Time Advantage, Flex, Loan Assist, Grant Assist, Partner Match, and specialty products that bundle affordable mortgages with down payment and closing-cost help.
Eligible for: Maryland homebuyers who meet MMP income and purchase-price limits, qualify for an eligible government or conventional 30-year fixed mortgage…