MARYLAND REAL ESTATE CLUB · RESOURCES
Maryland Homebuyer Grants & Assistance
Understand the questions to ask about help with down payments and closing costs.Begin with the Maryland Mortgage Program
The Maryland Mortgage Program offers home loan options and down payment assistance for eligible buyers. Its official website provides current program information, lender listings, and homebuyer education resources.
Understand the type of assistance
Do not assume that all assistance is a grant. Ask whether a particular offer is a grant, a repayable loan, or assistance with forgiveness conditions. Review when repayment may be due, including what happens if you sell, refinance, or move.
Questions for a participating lender
- Which programs are currently accepting applications, and is funding available?
- What income, property, purchase-price, credit, or first-time buyer requirements apply?
- Is homebuyer education required, and when must it be completed?
- Can this assistance be combined with other programs?
- How does the full loan package compare in payment, interest, fees, and cash needed at closing?
Explore local options too
Ask the housing department for the city or county where you intend to buy about local assistance. Employers and community organizations may also offer programs. Confirm the current terms directly with each provider before relying on assistance in your purchase budget.
I can help you organize the next steps in your home search while a participating lender determines financing and program eligibility.
Let’s talk about your next step.
Lisa Graham · Execuhome Realty
Practical guidance for your Maryland real estate goals.