MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA)
Maryland Department of Housing and Community Development
3–5% of the loan or $6,000
A first mortgage for first-time buyers with down payment assistance of 3–5% or $6,000.
Deferred 0% loan
Locations listed in HomeBase: Maryland
This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.
How and when you repayThe assistance is a zero percent interest loan with no monthly payments. You repay it only when your first mortgage ends: when you sell, refinance, transfer, or pay off the home.
Who can apply
About you
- A homebuyer education class approved by HUD, Fannie Mae, or Freddie Mac is required before closing
The home
- First-time buyer, meaning no home owned in the past 3 years, with exceptions for targeted areas and honorably discharged veterans
- Must meet MMP income, credit score, and purchase price limits
- Cannot own any real property at closing
The program makes the final eligibility decision.
Full requirements, documents, and history
Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history
What can I combine this with?
Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.
Show what stacks with MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA)(12 to check)
Worth asking about(12)
No published rule either way. One phone call settles it — and the answer can be worth thousands.
- AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Allegany County Habitat for Humanity HomeownershipAllegany County Habitat for Humanity
Allegany County households with inadequate housing and the ability to make mortgage payments may apply to purchase a Habitat home and complete 200 sweat-equity hours. The affiliate currently provides a downloadable application and mail-in intake route.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Allegany County Habitat for Humanity Homeownership. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Andrews Federal FHLB First-Time Homebuyer GrantAndrews Federal Credit Union through the Federal Home Loan Bank
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Annapolis MPDU Homeownership ProgramCity of Annapolis Office of Community Development
Qualified Annapolis residents and workers may obtain a certificate to compete for City-designated homes sold below the market price in participating developments.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Annapolis MPDU Homeownership Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Annapolis MPDU Settlement Expense Assistance ProgramCity of Annapolis
Need-based zero-interest loan up to $10,000 for an eligible MPDU purchase.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Annapolis MPDU Settlement Expense Assistance Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Anne Arundel County Mortgage Assistance Program (MAP)Arundel Community Development Services
Up to $50,000 in 0% deferred assistance for down payment, settlement costs, or a mortgage write-down in Anne Arundel County.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Anne Arundel County Mortgage Assistance Program (MAP). Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Anne Arundel County MPDU Homeownership ProgramAnne Arundel County and Arundel Community Development Services
Eligible first-time buyers will be able to purchase designated homes in new Anne Arundel County developments at prices calculated below market under the County MPDU program.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Anne Arundel County MPDU Homeownership Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- APG Federal Credit Union Homeownership Assistance ProgramAPG Federal Credit Union
APGFCU advertises $10,000 of its own homeownership assistance for qualifying buyers who contribute at least $1,000 and meet an 80% AMI income cap.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at APG Federal Credit Union Homeownership Assistance Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Atlantic Union Bank STAR Portfolio Loan ProgramAtlantic Union Bank
A portfolio first mortgage for an eligible low- or moderate-income buyer or property, offering no mortgage insurance and up to 100% combined financing with the bank’s Closing the Gap second lien.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Atlantic Union Bank STAR Portfolio Loan Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Baltimore City CLT Buyer's Choice ProgramBaltimore City Department of Housing and Community Development with participating community land trusts
Up to $75,000 for households at or below 50% AMI or up to $120,000 at or below 30% AMI toward an approved Baltimore community-land-trust purchase.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Baltimore City CLT Buyer's Choice Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Baltimore City Direct Homeownership Assistance ProgramBaltimore City Department of Housing and Community Development, Office of Homeownership
An additional $5,000 for qualifying Baltimore first-time buyers purchasing their long-rented home or with a household member who has a disability.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Baltimore City Direct Homeownership Assistance Program. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Baltimore City High-Performance Newly Constructed Dwellings Property Tax CreditBaltimore City Department of Finance
A five-year Baltimore City property tax credit for an owner-occupied qualifying high-performance newly constructed or converted dwelling.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Baltimore City High-Performance Newly Constructed Dwellings Property Tax Credit. Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.
Check everything you’re bringing to closing — gifts, seller credits, employer help →