Maryland Mortgage Program
State-backed mortgage with optional DPA.
Maryland · County Guide
Howard County Down Payment Assistance Programs
Howard County's strong demand makes assistance valuable. State programs combined with smart lender pairing may open doors in Columbia, Ellicott City, and Laurel.
Last updated: September 1, 2026
Programs that may apply in Howard County
Howard County Settlement Down Payment Loan Program
County program that may assist eligible buyers (current funding and rules apply).
Common buyer scenarios
- ● First-time buyer in Columbia using MMP + county DPA
- ● Repeat buyer in Ellicott City exploring options that aren't tied to first-time status
Howard County buyer questions
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