County-by-county
Down payment assistance by county
Each county has its own mix of programs. Find your area below to see what may apply.
Maryland
Prince George's County
Prince George's County buyers may qualify for layered assistance — county-level forgivable and 0% deferred loans stacked with Maryland state programs and federal loan products — that can dramatically reduce cash needed at closing.
Maryland
Montgomery County
Montgomery County, MD has one of the most competitive markets in the DMV — but income-qualified buyers may stack county, state, and federal assistance to lower out-of-pocket costs.
Maryland
Charles County
Charles County buyers in Waldorf, La Plata, and surrounding areas may use Maryland state programs and federal loan products to buy with less money down.
Maryland
Howard County
Howard County's strong demand makes assistance valuable. State programs combined with smart lender pairing may open doors in Columbia, Ellicott City, and Laurel.
Maryland
St Marys County
St Marys County buyers in Lexington Park, Leonardtown, and California may combine Maryland state programs with federal loan products to buy with less cash up front.
Maryland
Calvert County
Calvert County buyers in Prince Frederick, Chesapeake Beach, and Dunkirk may qualify for Maryland state DPA and federal low-down-payment loan products.
Maryland
Anne Arundel County
Anne Arundel buyers in Annapolis, Glen Burnie, and Severn may layer state programs with FHA, VA, and conventional low-down options.
Maryland
Baltimore County
Baltimore County offers a mix of state and county-level programs. Buyers in Towson, Catonsville, and Dundalk may benefit from layered assistance.
Maryland
Baltimore City
Baltimore City has some of the most layered first-time buyer assistance in the country, with city programs, state programs, and targeted-area benefits for many neighborhoods.
Maryland
Frederick County
Frederick County buyers may use Maryland state programs combined with USDA and federal loan products in eligible areas.
Washington, DC
Washington, DC
Buying in Washington, DC? DC first-time buyer and down payment assistance programs are covered on dcdownpaymentassistance.com.