Your real Maryland affordability, the Maryland Mortgage Program Down Payment Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Maryland number — free →The Maryland Mortgage Program Down Payment Assistance is Maryland's flagship statewide down payment assistance, administered by the state housing finance agency (loans, grants & partner match). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Maryland often add their own programs on top.
Official Maryland program page →Maryland's main statewide option is the Maryland Mortgage Program Down Payment Assistance — loans, grants & partner match administered by the state housing finance agency. Many cities and counties in Maryland add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Maryland assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official Maryland Mortgage Program Down Payment Assistance page before applying.