Maryland First-Time Home Buyer Programs 2026
Up to $25,000 DPA available through Maryland Department of Housing and Community Development (DHCD). Maryland MMP offers up to $25K in DPA — and Baltimore City buyers can get up to $50K.
Max Assistance
Up to $25,000 DPA
Type
Forgivable or deferred
Min Credit
640+
Max Home Price
$500,000
Ready to apply for Maryland assistance?
Get pre-approved in minutes — your lender will connect you with DHCD programs automatically.
Maryland First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| Maryland MMP 1st Time Advantage Statewide program | Up to $5,000 | 0% deferred | 640+ | $92.5K–$154.4K |
| Maryland HomeCredit Stack with DPA | Up to $2,000/yr | MCC tax credit | 640+ | Same |
| Baltimore City LIVE Program Baltimore City only | Up to $50,000 | Forgivable grant | 620+ | $96K |
Eligibility Requirements
- ✓640+ credit score
- ✓Income within DHCD limits
- ✓Homebuyer education required
- ✓Primary residence in Maryland
- ✓DHCD-approved lender
Pro Tip
Baltimore City buyers have access to extra programs. Available statewide: Baltimore, Columbia, Germantown, Silver Spring, Waldorf.
How to Apply for Maryland Programs
Get Pre-Approved
Work with a DHCD-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The Forgivable or deferred is applied at closing — you don't pay extra at the table.
Official Agency
Maryland Department of Housing and Community Development
DHCD — Maryland official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Maryland?
The best program in Maryland is the Maryland MMP 1st Time Advantage, which offers Up to $5,000 as a 0% deferred. Minimum credit score: 640. Income limit: $92.5K–$154.4K.
How much down payment assistance is available in Maryland?
Maryland offers up to Up to $25,000 DPA through Maryland Department of Housing and Community Development (DHCD). The assistance is structured as a Forgivable or deferred. Income limits are $92,500–$154,420 depending on household size and county.
What credit score do I need for Maryland first-time buyer programs?
Most Maryland programs through DHCD require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an DHCD-approved lender for your exact score requirements.
What is the income limit for Maryland first-time buyer programs in 2026?
In 2026, Maryland income limits are $92,500–$154,420 depending on household size and county. The home price limit is $500,000. These limits are set by Maryland Department of Housing and Community Development.
Don't Leave Up to $25,000 DPA on the Table
Pre-approval is free. Your lender will apply for DHCD programs automatically — no extra work for you.
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