Maryland · County Guide

    Charles County First-Time Buyer Help & Down Payment Assistance

    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.

    Last updated: September 1, 2026

    Programs that may apply in Charles County

    Maryland Mortgage Program

    Statewide DPA layered on a 30-year fixed mortgage.

    USDA Rural Development

    0% down loans for eligible properties in qualifying Charles County areas.

    FHA / VA

    Low-down loan products often used by first-time and veteran buyers in Charles County.

    Common buyer scenarios

    • Veteran in Waldorf using VA + DPA
    • First-time buyer in La Plata combining MMP with closing-cost help

    Charles County buyer questions

    Ready to see which programs fit you?

    Start with a free 2-minute eligibility check.

    Maryland.FirstTimeBuyer

    The trusted "start here" resource for Maryland and DC buyers who want to use down payment assistance and first-time buyer programs to buy with less out of pocket.

    Reach Out

    Call/Text (301) 835-1810

    Email listwithronnie@gmail.com

    6710 Oxon Hill Road, Suite 460, Oxon Hill, MD 20745

    Resources

    Ronnie Gilmer, REALTOR® · Samson Properties · Serving Maryland & DC · Equal Housing Opportunity. Independently operated; not affiliated with any government agency or the Maryland Mortgage Program. Program guidelines change — verify current eligibility with a licensed lender.

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