$50K+ in MD assistance currently funded · Maryland's #1 DPA resource
📞 443.707.2501
Maryland Homebuyers Only

Stop renting.
Maryland has up to $50,000 in down payment help waiting for you.

Take our 60-second match quiz to instantly see which Maryland down payment assistance programs you qualify for — plus get free access to our live weekly webinar where we walk through exactly how to use them.

Find My Match in 60 Seconds Reserve My Webinar Seat
★★★★★ 1,200+ Maryland renters helped this year
Instant Match · No Credit Pull

See your matches in 60 seconds

Answer 5 quick questions and instantly see which Maryland DPA programs you qualify for.

✓ Match against 16+ MD programs
✓ See exact dollar amounts available
✓ Unlock free access to our live webinar
Start the Quiz →
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Working with the Maryland programs you've heard about — and the ones you haven't
MMP 1st Time Advantage
SmartBuy 3.0
DHCD Boost
Pathway to Purchase
HomeStart
Partner Match
HomeAbility
B-HIP Baltimore
Frederick HAP
Howard SDLP
Montgomery HOC
HomeCredit MCC
The 60-Second Match Quiz

Find your programs.

No credit pull. No spam. Five quick questions and we'll show you every Maryland DPA program you qualify for — and instantly grant you free access to our live weekly webinar.

When are you looking to buy?

Be honest — we tailor your match list based on this.

Have you owned a home in the last 3 years?

Most Maryland programs treat you as a "first-time buyer" if it's been 3+ years.

What's your approximate household income?

Maryland programs have income limits that vary by county — we'll match accordingly.

What's your approximate credit score?

Don't worry — many of our buyers close with scores starting at 600.

Where in Maryland are you looking?

Many of the best programs are county-specific — pick your top choice.

Which free webinar would you like to attend?

We'll send the join link plus reminders so you don't miss it. You can pick "none" if you'd rather just get the program list.

Where should we send your matches?

We'll email your personalized program list plus your free live webinar access link within seconds.

By submitting, you agree to receive emails and SMS about Maryland DPA programs and our free webinars. Reply STOP to opt out anytime. We never sell your data and there's no obligation.

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You're matched!

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Free Weekly Webinar

The Maryland renter's roadmap to closing with little to no money down.

Most Maryland renters have no idea they qualify for $10,000 to $50,000+ in down payment help. In 45 minutes, we'll walk you through exactly how to find, stack, and use these programs — with live Q&A from our NMLS-licensed lender.

Why most lenders won't tell you about DPA programs (and how to find one who will)
The 7 Maryland programs offering the most assistance in 2026
How to combine programs to get $50K+ toward your purchase
Live Q&A with Ami Desai, NMLS #245984

Pick your session

Wednesday
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Take the Quiz to Reserve My Seat

Webinar access is included free with our 60-second match quiz — so you walk in already knowing which programs are yours.

Programs we unlock for you

Real Maryland programs. Real money.

These are just a few of the 16+ Maryland DPA programs we work with. Your match list will show every one you qualify for.

$50K
Up to · Forgivable

Pathway to Purchase

Prince George's County's flagship program. 0% interest, deferred — and forgiven entirely after 15 years of ownership.

Prince George's County
$50K
Up to · Deferred

Anne Arundel MAP

Mortgage Assistance Program — deferred 30-year loan at 0% for first-time buyers in Anne Arundel County.

Anne Arundel County
$25K
Up to · Deferred

Montgomery HOC

Up to $25,000 in down payment and closing cost assistance for income-qualified Montgomery County buyers.

Montgomery County
$20K
Up to · Forgivable

SmartBuy 3.0

The only program in the country designed to wipe out your student debt while you buy your home. Up to 15% of purchase price.

Statewide · Student Debt
$17K
Up to · Stacked

Frederick HK4E + HAP

Frederick County matches state DPA dollar-for-dollar. Eligible employees can stack to $17,000 in deferred assistance.

Frederick County
$10K
Forgivable

B-HIP

Baltimore Homeownership Incentive Program — a forgivable loan up to $10,000 for first-time buyers in Baltimore City.

Baltimore City
$10K
3-6% of loan

MMP 1st Time Advantage

The Maryland Mortgage Program's flagship product. Lowest 30-year fixed rate available, with stackable down payment help.

Statewide
$6K
Flat grant

Flex 6000

For repeat buyers who don't qualify as first-time. $6,000 in down payment and closing cost help.

Repeat Buyers OK
How It Works

From renting to closing in three simple steps.

01

Take the 60-second quiz

Answer 5 quick questions about your situation. We'll instantly match you against every Maryland DPA program you qualify for — no credit pull, no obligation.

02

Get instant webinar access

The moment you finish the quiz, your free seat to our live weekly webinar is unlocked. In 45 minutes you'll learn exactly how to use your matched programs, how to combine them for maximum help, and how to avoid the mistakes that cost most buyers thousands.

03

Book your strategy call

Hop on a free 15-minute call with our team. We'll connect you with our NMLS-licensed lending partner and map out your path to closing.

Real Maryland buyers

From renting to owning.

These are real Marylanders who thought homeownership was out of reach.

★★★★★
"I had $38,000 in student loans and assumed buying was impossible. The webinar showed me SmartBuy 3.0. Six months later I'm in my own house in Towson and my student debt is gone."
JT
Jasmine T.
Homeowner · Towson, MD
Used: SmartBuy 3.0 + MMP 1st Time Advantage
★★★★★
"Single mom on a teacher's salary. I figured I'd be renting forever. Pathway to Purchase covered $42,000 of my closing — I would never have known about it without this team."
RM
Renee M.
Homeowner · Bowie, MD
Used: Pathway to Purchase + House Keys 4 Employees
★★★★★
"My credit was 612 and three lenders told me to come back next year. The webinar connected me to a lender who actually understood DPA. Closed in 47 days with zero out of pocket."
DK
Devon K.
Homeowner · Essex, MD
Used: FHA + B-HIP + Partner Match
Honest Answers

Questions Maryland buyers actually ask.

No. Maryland defines a "first-time buyer" as anyone who hasn't owned a home in the last 3 years — and many programs (like the MMP Flex line) are open to repeat buyers. Veterans using their VA exemption for the first time also don't need to qualify as first-time buyers.
Many of our buyers close with scores starting around 600. The exact minimum varies by program (most fall in the 620-660 range), but the quiz will surface what's available at your score level. If your score needs work, we can also walk you through the fastest credit-improvement steps on your strategy call.
It depends on the program. Some are true grants you never repay. Others are 0% deferred loans that don't get paid until you sell or refinance. Several (like Pathway to Purchase) are forgiven entirely after a holding period. We'll show you which type each of your matches is.
There's no catch. We're a Maryland-licensed real estate brokerage and we partner with an NMLS-licensed lender. We get paid by the lender and seller at closing — exactly the same as in any home purchase. You pay nothing for the matching, the webinar, or the strategy call.
Most of our buyers go from "I had no idea this existed" to closing in 45-90 days, depending on how ready you are. The webinar gets you up to speed in 45 minutes; from there, the timeline depends on credit, savings, and how quickly you find the right home.
Most county and city programs have annual budgets that get exhausted — sometimes within months of the new fiscal year. State programs reload more reliably, but even those have periodic pauses. Acting earlier in the year always means more options.
Yes — and that's exactly the strategy that gets most buyers to "$0 out of pocket." MMP loans come in FHA, VA, USDA, and conventional flavors, and they layer with most county programs. We'll show you the right stack for your situation.

Maryland's DPA funds run out every year. Don't be the one who finds out after they're gone.

Take 60 seconds. See your matches. Show up to the webinar. Be in your own home before the year is out.

Find My Match + Webinar Access Book a Strategy Call