$50,000 to Buy a Home in Montgomery County Maryland Down Payment Asisstance
Montgomery Homeownership Program (MHP): up to $50,000, a 0% deferred loan you repay when you sell or refinance.
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Buy Your First Home In Maryland With Less Money Out Of Pocket
Learn which Maryland down payment assistance and first-time buyer programs may help you buy sooner.
First-time buyer programs & credentials
Maryland Mortgage ProgramSmartBuy 3.0Maryland Flex 6000Pathway to Purchase (PG)HOC · MPDU (Montgomery)FHA · VA · USDA · ConventionalFirst-Time Buyer SpecialistSamson Properties · NAR Realtor®Equal Housing OpportunityLicensed in Maryland & DCMaryland Mortgage ProgramSmartBuy 3.0Maryland Flex 6000Pathway to Purchase (PG)HOC · MPDU (Montgomery)FHA · VA · USDA · ConventionalFirst-Time Buyer SpecialistSamson Properties · NAR Realtor®Equal Housing OpportunityLicensed in Maryland & DC
Real First-Time Buyers
The best part of the job — handing over the first set of keys.
Every photo here is a real client who thought home-ownership was years away — until we mapped the path together.
First Home - St Marys Maryland
First home · Prince George's County, MD
First Time Buyer - Baltimore City Maryland
First-time buyer · Washington, DC
Home Sweet Home
First-time buyers · Maryland
A New Chapter
First-time homeowner · DMV
Welcome Home
First-time buyer · Samson Properties closing
Cardinal Closing Day
New homeowner · Maryland
First Homeowner!
Couple closing · DC metro
It's Key Time
New keys · Samson Properties
Sold & Celebrated
Buyer success story · Washington, DC
Another First Home
Buyer win · Maryland closing
How it works
How Maryland Down Payment Assistance Works
Maryland buyers can layer state programs (like MMP and SmartBuy) with county-level help and federal loan products (FHA, VA, USDA, Conventional 97%). The right combination depends on your profile, the property, and current program rules.
01
State programs
MMP, 1st Time Advantage, SmartBuy 3.0
02
County programs
Pathway to Purchase, HOC, Vacants to Value, MPDU
03
Federal loans
FHA 3.5%, VA 0%, USDA 0%, Conventional 97%
04
Closing-cost help
Seller, lender, state and county credits
Programs
Popular Maryland Down Payment Assistance Programs
Explore the Maryland Mortgage Program and county-level options. Not sure where to start? Take the free 1-minute program checker.
MMP 1st Time Advantage
Lowest available MMP 30-year fixed rate for first-time Maryland buyers.
View programMMP Flex 6000
$6,000 zero-interest deferred loan for down payment & closing costs.
View programMMP Flex 3% Loan
Deferred DPA equal to 3% of your first mortgage — scales with loan size.
View programMaryland SmartBuy 3.0
Up to $25,000 toward student loans at closing for eligible MD buyers.
View programMontgomery County Homeownership
County DPA layered with MMP for Montgomery County buyers.
View programBuying Into Baltimore
$5,000 forgivable-over-5-years incentive for Baltimore City buyers.
View programCounty-by-county
County-by-County Assistance
Pick your area for the programs and scenarios specific to your county.
Watch
Watch The Latest Videos
Pay Off $25,000 of Your Student Loans With Maryland First Time Home Buyers Program
How SmartBuy pays down student loan debt at closing.
Prince George's County Will Give You $50,000 To Buy a Home 2026 - Maryland Down Payment Assistance
Pathway to Purchase and how to stack PG County programs.
Common Buyer Questions
5.0-star rated by verified clients
This is the 3rd real estate transaction under Ronnie's expertise. His professionalism is impeccable. His turnaround with all 3 transactions were under 30 days of listings.
My wife and I had the pleasure of working with Ronnie on our first home purchase and we both HIGHLY recommend him!
I went into this process not knowing much about the home buying process but he guided me through it all and made it easier for me as a first time homebuyer!
Meet Your Agent
A trusted guide for first-time buyers, seasoned investors, and everyone in between.
Ronnie Gilmer is a Washington, DC native who launched his real estate career in 2015 after navigating his own first home purchase. That experience revealed how underserved first-time buyers often are — and it shaped the calm, education-first approach he's known for today.
A serial entrepreneur (videography, ATM business) turned go-to DMV agent, Ronnie pairs market expertise with a grounded, responsive style that clients consistently describe as “elite luxury service without the ego.”
Ronnie Gilmer
Realtor · Samson Properties
The First-Time Buyer Roadmap
Three steps from renting to holding the keys.
Step 01
Get Pre-Approved
Know exactly what you can afford — and which programs you qualify for.
- Trusted lender introductions
- FHA, VA, Conventional & USDA
- MMP loans & deferred-loan assistance
Step 02
Find the Right Home
Honest neighborhood guidance, curated tours, no pressure.
- Neighborhood deep-dives
- School & commute analysis
- Inspection-first negotiation
Step 03
Close & Celebrate
We hold your hand through inspections, appraisal, and closing day.
- Inspection coordination
- Closing-cost transparency
- Keys-in-hand celebration
Service Area
Working across the DMV.
Licensed in DC and Maryland, I work throughout the District and the surrounding counties — from historic row-house blocks to suburban neighborhoods just a Metro ride away.
Washington, DC
Montgomery County
Howard County
Prince George's County
Anne Arundel County
Charles County
Calvert County
St Marys County
Capitol HillBrooklandPetworthShawH StreetColumbia HeightsAdams MorganDupont CircleGeorgetownNavy YardNoMaU StreetAnacostiaCongress HeightsDeanwoodWoodley ParkTakomaChevy Chase DCOxon HillBowieSilver SpringBethesdaHyattsvilleNational HarborLargoUpper MarlboroAnnapolisWaldorfColumbiaEllicott CityElkridgeLaurelChesapeake BeachPrince FrederickLexington ParkLeonardtownRockvilleGaithersburgGermantownTakoma ParkGreenbeltCollege ParkNew CarrolltonFort WashingtonClintonBrandywineSeverna ParkGlen BurnieSevernOdentonCroftonEdgewaterArnoldPasadenaHanoverTowsonCatonsvilleDundalkPikesvilleParkvilleRosedaleOwings MillsReisterstownBaltimore CityFrederickHagerstownBrunswickMiddletownWestminsterEldersburgSykesvilleMount Airy
See which Maryland programs fit you
Free 2-minute check — no signup needed
Start With A Free Buyer Eligibility Check.
See which Maryland programs may fit your situation — in about two minutes.