Maryland Mortgage Program
State mortgage with optional DPA layered for Calvert County purchases.
Maryland · County Guide
Calvert County Down Payment Assistance & First-Time Buyer Programs
Calvert County buyers in Prince Frederick, Chesapeake Beach, and Dunkirk may qualify for Maryland state DPA and federal low-down-payment loan products.
Last updated: September 1, 2026
Programs that may apply in Calvert County
USDA Rural Development
0% down loans for eligible properties in qualifying Calvert County areas.
FHA / Conventional 97%
Low-down-payment loans that may pair with state DPA depending on lender guidelines.
Common buyer scenarios
- ● First-time buyer in Prince Frederick using MMP + county DPA
- ● Buyer in Chesapeake Beach exploring USDA eligibility
Calvert County buyer questions
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