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Maryland Mortgage Program

Directive 2026-05 | Reopening of HomeAbility

Directive |

To: All Participating Lenders

The Maryland Mortgage Program is pleased to announce the reopening of HomeAbility effective July 1, 2026. With the funding replenished this program will continue to assist disabled homebuyers in Maryland with down payment assistance. HomeAbility consists of an amortizing conventional loan (first lien) and a nonamortizing deferred loan (second lien for down payment and closing cost assistance) which together finance up to 105% of the purchase price. The first lien (up to 95% of the purchase price) will be financed at a fixed interest rate and the second lien (up to 25% of the purchase price, with a maximum CLTV of 105%, capped at $45,000) will be financed at a 0% interest rate with payment deferred for the life of the first lien. Eligible borrower(s) incomes may not exceed 80% of the AMI. 

Detailed information regarding this update is available on our website at Program Fact Sheets & Tools.

As always, we appreciate your continued participation in our programs. If you have any questions regarding this Notification, please email [email protected].

Thank you,
Kamili Jamal Brown
Assistant Director, Operations Manager