Home Buying Loan Programs

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Are you considering purchasing your first home? Exciting times await, and you might be eligible for various First-Time Home Buyer Programs tailored to make your homeownership journey more accessible. These programs are designed to provide financial assistance, making the dream of owning your first home a reality.
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​ Maryland Mortgage Program 1st Time Advantage

Location: Maryland

First-time Advantage loans provide eligible first-time homebuyers in Maryland with the lowest 30-year fixed interest rates under the Maryland Mortgage Program. These loans cannot be combined with the Maryland HomeCredit Program.

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Maryland Mortgage Program Flex

Location: Maryland

30-year, fixed-rate home loan products accompanied by additional funds for down​ payment and closing costs. The assistance is available in the form of no-interest, deferred loan​.

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Maryland Partner Match Programs

Location: Maryland

Available only with 1st Time Advantage 6000 or Flex 6​000 loans​. Funds available through the Partner Match Program are provided in the form of a no-interest, deferred loan and may be used for down payment and closing costs.​

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Montgomery County Specialty Products

Location: Maryland

Access down payment assistance with Montgomery Homeownership Program VIII and MEDPAL by Maryland Mortgage Program in collaboration with Montgomery County.

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Greenbelt, Maryland Home Advantage

Location: Maryland

Discover the path to homeownership with FriendlyRealtor. Search for tailored loan programs, connect with certified partners, and access valuable resources to turn your homeownership dreams into reality

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Maryland Home Ability Program

Location: Maryland

HomeAbility: Maryland's Conventional Loan program, providing up to 95% LTV for the first lien and up to 25% ($45,000 max) for down payment and closing costs in a second lien, fostering accessible homeownership.

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Maryland SmartBuy Program

Location: Maryland

​​​Maryland SmartBuy 3.0 gives homebuyers an opportunity to purchase any home in Maryland that meets Maryland Mortgage Program guidelines while paying off student debt.

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Washington DC Inclusionary Zoning (IZ) Affordable Housing Program

Location: WashingtonDC

The Inclusionary Zoning (IZ) Program requires that most new (and some renovated) residential developments include some affordable homes. IZ homes are apartments for rent or condos/townhomes for sale.

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Virginia Down Payment Assistance Grant

Location: Virginia

The Down Payment Assistance Grant aids homebuyers in targeted areas, offering a non-repayable grant to ease down payment challenges. Compatible with Virginia Housing loans.

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Washington DC Home Purchase Assistance Program

Location: WashingtonDC

In Fiscal Year 2023, HPAP achieved a record $70M in loans, aiding 480 first-time homebuyers and advancing Mayor Bowser's 2030 goal of 20,000 new Black homeowners. The Markdown provides info on funds, eligibility, and resources for applicants.

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