Maryland · County Guide

    Frederick County First-Time Buyer Help

    Frederick County buyers may use Maryland state programs combined with USDA and federal loan products in eligible areas.

    Last updated: September 1, 2026

    Programs that may apply in Frederick County

    Maryland Mortgage Program

    State 30-year fixed mortgage with DPA.

    USDA Loans

    0% down in eligible rural areas of Frederick County.

    Common buyer scenarios

    • First-time buyer in downtown Frederick using MMP
    • Rural buyer near Brunswick exploring USDA

    Frederick 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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