The State of Maryland is a participating employer in the Maryland Mortgage Program.

As a participating employer, the State provides financial assistance to active State of Maryland government employees (permanent and contractual employees) purchasing a home through the Maryland Mortgage Program.

The amount available to State employees through the House Keys 4 Employees Program is in addition to the Down Payment Assistance available to Maryland Mortgage Program borrowers.

To learn about how you can take advantage of this assistance, start by Finding a Lender so you can get pre-qualified for a Maryland Mortgage Program loan.  As with all Maryland Mortgage Program borrowers, you should ask your Lender about Homebuyer Education requirements for the jurisdiction where you are seeking to purchase a property.

State of Maryland Government employees DO NOT need to submit a "Verification of Partner Contribution" form with their loan application. State employees need to inform their Lender of their status as a State of Maryland employee, which the Lender will verify by reviewing the employee's pay stub.  (NOTE:  Employees of quasi- or independent state agencies, or the University System of Maryland, are not considered State of Maryland Government employees for the purposes of this program.)

State of Maryland employees that are eligible for the Maryland Mortgage Program can receive an additional $2,500 in Down Payment Assistance, in the form of an interest-free, deferred loan through the House Keys 4 Employees program. 

A further $1,000 in Down Payment Assistance through the Smart Keys 4 Employees (also an interest-free, deferred loan) may be available if the employee is purchasing a home that is:

  1. Within 10 miles of their place of employment OR within the same County as the place of employment, AND
  2. The property is located in a Priority Funding Area.

If you are a State of Maryland employee purchasing a home in Baltimore City, you may be eligible for the Live Near Y​our Work program.