Maryland SmartBuy

Maryland SmartBuy

​​ MARYLAND SMARTBUY ​​​​​​​​​​​​​​​​​​​​​​​

Maryland SmartBuy helps homebuyers like you, with eligible student debt, purchase a home. Pay off student debt AND get highly attractive financing and closing cost assistance to purchase move-in-r​ead​y homes made available through the Department of Housing and Community Development.

For more information on SmartBuy program details and eligibility, download the Program Flyer or Program Fact Sheet.

To qualify for Maryland SmartBuy, homebuyers must have an existing student debt (in repayment or deferred status) with a balance of a minimum of $1,000 and up to a maximum of 15% of the home purchase price. Maryland SmartBuy financing will provide up to 15% of the home purchase price for the borrower to pay off the outstanding student debt. The full student debt must be paid off at the time of the home purchase. Homebuyers must meet all eligibility requirements for the Maryland Mortgage program.


Get Started

Maryland SmartBuy financing is available only through an approved Maryland SmartBuy lender. These lenders can help you confirm your eligibility and ensure you meet all applicable requirements.
Homebuyer Education
Completing a Homebuyer Education class prepares you to make the right decisions when purchasing your home. Homebuyer Education classes are available throughout Maryland. Certain jurisdictions have specific requirements that must be met.
A full list of all properties available through the SmartBuy Program from Cummings & Co. Realtors and Maryland REO Realtors is available here.​
Stay Connected  
Complete this brief form to be kept up-to-date on Maryland SmartBuy properties.​


Stay Connected

More information is available about the Maryland Mortgage program​ and the other products offered by the Maryland Department of Housing and Community​ Development.​​​​​​​​​​​​​​​ ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​


NBC covers Maryland SmartBuy

NBC Nightly News with Lester Holt recently ran a profile of Ma​ryland's SmartBuy program. Reporter Jo Ling Kent interviewed Harford couple Jasmine Townsel and Brian Hawkins, who were the first couple to purchase a home through the program. See their story​ below. ​