Saving for a down payment is often one of the biggest hurdles to achieving homeownership. To help make homeownership more attainable, many Maryland counties and cities offer local down payment and settlement assistance programs. These programs provide financial support to qualified buyers, often in the form of grants or low-interest loans, to help cover your down payment and closing costs.

Below is a list of programs organized by county, with links to each program so you can learn more about eligibility and how to apply.

Anne Arundel County

• Mortgage Assistance Program

Baltimore City

• Buy Back the Block

Howard County

• Howard County SDLP​
  

Montgomery County

• Montgomery Homeownership Program; Montgomery Employee Down Payment Assistance Loans (MEDPAL)​

Prince George's County

• Pathway to Purchase​
• City of Laurel First-Time Homebuyer Assistance Program​

Washington County

• Hagerstown Home Store