Completing a Homebuyer Education class prepares you to make the right decisions when purchasing your home, and qualifies you to receive substantial Down Payment Assistance and additional financial help through our Partner Match Programs (learn more about these programs).
For many borrowers in Maryland, completing any of the listed Homebuyer Education classes will qualify you for Down Payment Assistance and Partner Match programs (your lender will include your certificate of completion in your loan documentation).
Before you sign up for a homebuyer education class, you should talk to one of our Lender Partners to make sure your class is approved for a mortgage and Down Payment Assistance through the Maryland Mortgage Program, as there are special requirements for Homebuyer Education in some parts of the state. These apply to the location of the home you are seeking to purchase, and not the location of your current residence (if different).
If you’re purchasing a home in one of these areas, and you do not complete Homebuyer Education according to the requirements below, you risk having your loan application denied.
Definitions - A “First-Time Homebuyer” is defined as someone who has not owned a principal residence in the last three years. A “Move-Up Homebuyer” is someone who has owned a principal residence in the last three years, and is purchasing a new home. To qualify for Maryland Mortgage Program loan products, Move-Up Homebuyers must sell their currently-owned residential property before purchasing their new home.
Homebuyer Education classes are available throughout Maryland and online, and are provided by a range of Community and Non-Profit organizations as well as local government housing agencies. Some providers charge a fee for attending classes – call the class provider for details.
Online classes are available for homebuyers purchasing in counties that don't have special requirements for in-person education - see section on "Special Requirements" at the top of this page before selecting one of the following online courses:
To find classes in your part of the state, choose the county where you are purchasing, and class providers in in that part of the state will be listed. Make sure you check the colored tabs to the right of the class provider's name in the list below to ensure that the homebuyer education class selected meets the requirements of the jurisdiction in which you are purchasing. If a counseling agency has bi-lingual staff, that will also be indicated with a colored tab, but classes may only be offered in English - please check with the agency.
7800 Harkins Road, Lanham, MD 20706
1-800-638-7781 or (301) 429-7852