Anyone looking to buy a home in Maryland who meets basic eligibility requirements, such as income and credit score, can benefit from these programs. While first-time homebuyers are often common recipients, these programs are available to all eligible buyers, whether you’ve owned a home before or not.

Qualification typically depends on factors like income, credit score, and monthly expenses. To find out if you’re eligible, simply fill out our inquiry form to speak with a qualified loan officer who will evaluate your situation and connect you with the best program options.

There are several types of programs available, including repayable loans, grants, and deferred loans. Our specialists will help you understand each option and identify which ones align best with your needs and financial profile.

After filling out the inquiry form, a certified down payment assistance program administrator will reach out to review your application. They’ll help you understand how much you may qualify for to purchase a home with down payment assistance. Once you have your pre-qualification letter, a real estate agent can help you start looking for your new home.

No! While many programs do cater to first-time homebuyers, there are options for repeat buyers as well. The goal is to make homeownership accessible for anyone looking to purchase a home in Maryland.

No, our service is completely free. Our mission is to help you understand your options and connect you with the resources needed to make homeownership a reality.

The timeline can vary based on your financial profile and the specific program you’re applying for. Typically, you’ll receive feedback on your eligibility within a few business days after submitting your inquiry.

You’ll need to provide basic information such as proof of income, credit history, and current expenses. Don’t worry—our loan officers will guide you through exactly what’s needed during the application process.

After you talk with a program administrator, you’ll receive a letter stating how much you’re eligible to borrow, along with any down payment assistance you’ve been approved for. This letter will be shared with a real estate agent, who can help you begin home tours and the home-buying process.

Yes, the funds you receive can typically be used for either your down payment or closing costs, depending on the specific loan program.

We’re happy to help! Please fill out our inquiry form and a certified specialist will be in touch. Even if the application is incomplete, you'll still hear back to have any questions answered.