The Maryland Pathway to Homeownership program gives eligible homebuyers in Garrett County incredible financial incentives that put homeownership within reach. Available through the Maryland Mortgage Program, this Garrett County initiative gives you more buying power and makes it easier for your family to establish your family in the community.

Garrett County homebuyers can take advantage of:


Download the "Maryla​nd Pathway to Homeownership in Garrett County" flyer

Getting Started

If you're ready to take advantage of this special program:

  1. Talk to a Lender - Your lender can help you confirm your eligibility for Maryland Pathway to Homeownership in Garrett County and will make sure you meet all the requirements, such as attending the right Homebuyer Education Class.
  2. Check Your Eligibility to see whether you can apply for a Maryland Mortgage Program loan. Note that being eligible to apply does not guarantee approval, and lenders will take into account things like your income, credit history and employment situation when considering your application.
  3. Complete a Homebuyer Education Class - Completing a Homebuyer Education prepares you to make the right decisions when purchasing your home. Homebuyer Education classes are available throughout Maryland, and are provided by a range of Community and Non-Profit organizations as well as local government housing agencies.
  4. Learn about Down Payment Assistance - For the Maryland Pathway to Homeownership in Garrett County program, Down Payment Assistance is in the form of a $7,500 outright grant (does not have to be repaid) funded by Garrett County and $7,500 in the form of a zero percent deferred loan funded by the State of Maryland. See the flyer/fact sheet​ for additional details.