Maryland Mortgage Program
State-backed 30-year fixed mortgage with optional DPA for eligible St Marys County buyers.
Maryland · County Guide
St Marys County First-Time Buyer & Down Payment Assistance Programs
St Marys County buyers in Lexington Park, Leonardtown, and California may combine Maryland state programs with federal loan products to buy with less cash up front.
Last updated: September 1, 2026
Programs that may apply in St Marys County
USDA Rural Development
0% down loans for eligible properties in qualifying areas of St Marys County.
FHA / VA
Low-down-payment options often used by first-time and veteran buyers in St Marys County.
Common buyer scenarios
- ● First-time buyer in Lexington Park using MMP + FHA
- ● Veteran in Leonardtown exploring a VA purchase
St Marys County buyer questions
Ready to see which programs fit you?
Start with a free 2-minute eligibility check.