Pathway to Purchase
Up to $50,000 per buyer toward down payment and closing costs (household income at or below 80% AMI, county-approved lender, 0% deferred loan forgiven over 15 years).
Maryland · County Guide
Prince George's County Down Payment Assistance & First-Time Buyer Programs
Prince George's County buyers may qualify for layered assistance — county-level forgivable and 0% deferred loans stacked with Maryland state programs and federal loan products — that can dramatically reduce cash needed at closing.
Last updated: September 1, 2026
Programs that may apply in Prince George's County
Housing Enhancement Program (HEP)
$30,000 for homes inside the Capital Beltway, forgiven over 5 years, for households at or below about 120% AMI.
Critical Workforce Housing Assistance Program (CWHAP)
$50,000 for teachers and other critical-workforce buyers purchasing in Prince George's County.
Maryland Mortgage Program (MMP)
State 30-year fixed-rate loans with optional DPA layered for PG County buyers.
House Keys 4 Employees
Match program for eligible state, county, or partner employees buying in PG County.
FHA / VA / Conventional 97%
Low-down-payment loans that may pair with PG County DPA depending on lender guidelines.
Common buyer scenarios
- ● Renter in Bowie or Largo with a 660 credit score and some savings
- ● Healthcare or government worker buying near Suitland or National Harbor
- ● First-time buyer with student loans looking at Hyattsville or College Park
Prince George's County buyer questions
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