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Maryland Mortgage Program Flex 4% Grant

First Time Homebuyers Returning Home Buyer

Type Of Program

Deferred Second Mortgage

Program distribution

Program Originator

Maryland Department of Housing and Community Development, Maryland Mortgage Program





Flex 4% Grant includes an outright grant of 4% of the MMP loan amount (first lien). The grant is to be used for the down payment and/or closing costs of the mortgage loan and home purchase at closing. HomeCredit may be combined with this program, along with other Flex loans. This product is available to first time and repeat homebuyers in Maryland. This product may also benefit from the Freddie Mac DPA assistance under the Special Assistance Grant, if eligible, which offers an outright grant of $2,500 for borrowers with income not exceeding 50% of the Area Median Income (AMI) and $1,500 for borrowers above 50% and not exceeding 80% of the Area Median Income (AMI).
AMI Limit


Employer Participation Required

Must Earn Counseling Certificate

Eligibility Limitations

Cash Sale Permitted

Cosigner Permitted

Owner Financing Permitted

Must be Primary Residence

Program Provider's Contact Name

Program Provider's Address

Program Provider's Phone

Program Provider's Email