Maryland Opportunity Grant



The Maryland Opportunity Grant provides assistance to eligible homebuyers for down payment and closing costs associated with purchasing a home in Maryland using the Maryland Mortgage Program (conventional loans only).

The Maryland Department of Housing and Community Development offers an outright grant of 2% of the first loan to help with down payment and closing costs for borrowers whose income is below eligibility limits, which vary by county.

  • The 2% grant funds can be used for down payment and closing costs of an MMP Freddie Mac conventional mortgage loan at closing. The amount of the grant is obtained by applying 2% to the amount of the first lien.
  • This grant is not available with other MMP purchase and/or refinance products.

For information on Maryland Opportunity Grant, download:


Maximum Income / Affordability Limits for Borrowers

 County

 Income Limit

 County  Income Limit  County  Income Limit

 Allegany

 $26,950

 Charles  $55,150  Prince George's  $55,150

 Anne Arundel

 $45,550

 Dorchester  $31,500  Queen Anne's  $45,550

 Baltimore

 $45,550

 Frederick  $55,150  Somerset  $34,400

 Baltimore City

 $45,550

 Garrett  $31,500  St. Mary's  $49,800

 Calvert

 $55,150

 Harford  $45,550  Talbot  $37,600

 Caroline

 $33,750

 Howard  $45,550  Washington  $35,700

 Carroll

 $45,550

 Kent  $37,000  Wicomico  $34,400

 Cecil

 $41,600

 Montgomery  $55,150  Worcester  $34,400
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