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Your starting point
“We were behind, but we fixed it. Is it too late?”
Recovery counts. Many programs and loans have defined waiting windows, and being current again is exactly what lenders look for.
An illustrative starting plan—not personal advice. A counselor can tailor the real one.
30 days
60 days
90 days
Programs that often fit this situation across MD, DC, VA, and CT — worth reading, never a promise of eligibility.
Up to $17,500 for down payment, closing costs, or principal reduction, but all 2026 grant funds have been used.
An eligible first-time-buyer member puts 3% down, pays no PMI and receives a $750 lender credit at settlement on a loan up to $515,000.
Eligible Middlesex County residents may purchase an affordable Habitat single-family home with a no-interest mortgage after selection, education and 400 sweat-equity hours.
A 3%-down first-time-buyer mortgage with no PMI, up to 3% companion down-payment assistance, a 0.25-point rate reduction and full appraisal-fee rebate.
HUD-certified counselor
Lender
A housing counselor can review your situation and help you choose the next step—at no cost to you.