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Maryland Mortgage Program

Directive 2026-07 | Montgomery County Homeownership Program Reopens

Directive |
Updated:

To: All Participating Lenders

The Maryland Mortgage Program is pleased to announce the reopening of the Montgomery Homeownership Program (in its 11th year) effective 7/21/2026. Reservations will be accepted until the funds are fully committed. When the funding is running out and as the end of the program nears, reservations availability status will be posted weekly on the rate sheet and an announcement will be posted on Lender Online. 

Highlights of the Montgomery Homeownership Program include: 

  • Montgomery Homeownership Program second lien will be a zero percent deferred DPA loan which becomes repayable upon refinance, transfer or sale of the home, or other payoff of the first mortgage. 

  • Maximum DPA loan will be 40% of borrower’s household income, up to a maximum of $50,000. DPA funds may be used for down payment and/or closing costs. 

  • Partner Match Programs – No matching funds provided. External assistance (such as other partner funds that don’t require a match) may be utilized as long as it meets insurer/investor/servicer guidelines. 

Detailed information regarding this update is available on the 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