HOC Closing Cost Assistance
Closing cost help administered through the Housing Opportunities Commission for income-qualified first-time buyers.
Maryland · County Guide
Montgomery County Down Payment & Closing Cost Assistance
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.
Last updated: September 1, 2026
Programs that may apply in Montgomery County
Maryland Mortgage Program
State first-mortgage and DPA combinations that can apply to Montgomery County purchases.
MPDU Program
Moderately Priced Dwelling Unit program offering below-market-rate homes for qualifying buyers.
SmartBuy 3.0
Pay off student loan debt at closing alongside an MMP purchase, where eligible.
Common buyer scenarios
- ● Two-income household in Silver Spring or Wheaton ready to stop renting
- ● Federal employee in Rockville with strong income and limited cash to close
- ● First-time buyer in Germantown or Gaithersburg using MPDU pricing
Montgomery County buyer questions
Ready to see which programs fit you?
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