## 1st Time Advantage Program

### 1. 1st Time Advantage Direct:
- No down payment assistance available.
- Competitive interest rates.
- External DPA sources can be used.

### 2. 1st Time Advantage 6000:
- $6,000 loan for down payment/closing costs.
- Zero percent interest.
- Repayment when the first mortgage ends.

### 3. 1st Time Advantage 3%, 4%, 5% Loans:
- DPA loan equals 3%, 4%, 5% of the first mortgage.
- Zero percent deferred second lien.

### 4. HomeStart:
- For borrowers with ≤50% AMI.
- 0% interest, 30-year deferred DPA loan equals 6% of MMP total loan amount.

## Targeted Areas in Maryland

Designated by the U.S. Census Bureau, Targeted Areas in Maryland provide fewer restrictions for homebuyers through the Maryland Mortgage Program. The state's counties fall into three categories:

**Full Counties:**
- Allegany County
- Baltimore City
- Caroline County
- Dorchester County
- Garrett County
- Kent County
- Somerset County

**Partial Counties:**
- Anne Arundel County
- Baltimore County
- Frederick County
- Harford County
- Montgomery County
- Prince George's County
- Washington County
- Wicomico County

**Non-Targeted Counties:**
- Calvert County
- Carroll County
- Cecil County
- Charles County
- Howard County
- Queen Anne's County
- St. Mary's County
- Talbot County
- Worcester County

This information helps identify whether a specific area is within a Targeted Area, providing valuable information for potential homebuyers.

Consult an approved MMP lender to choose the right loan. First-time homebuyer requirements apply. Exceptions for targeted areas, if sold the current home, more than three years since owning a home, or honorably discharged veteran. Submit DD-214 and Veteran First Time Homebuyer Exemption form.

**HomeStart Factsheet MMP eligibility**
This information helps identify whether a specific area is within a Targeted Area, providing valuable information for potential homebuyers.

Consult an approved MMP lender to choose the right loan. First-time homebuyer requirements apply. Exceptions for targeted areas, if sold the current home, more than three years since owning a home, or honorably discharged veteran. Submit DD-214 and Veteran First Time Homebuyer Exemption form.
