Looking To Buy A Home In Maryland but don't Know Where
To Begin?

You can stop renting & start owning by utilizing programs that assist with the
biggest hurdle to ownership, the down payment & closing costs!

Looking To Buy A Home In Maryland but don't Know Where To Begin?

You can stop renting & start owning by utilizing programs that assist with the biggest hurdle to ownership, the down payment & closing costs!

What We Offer

Down Payment Assistance Mayland

Down Payment Assistance & 1st Time Buyer Grant Programs

Baltimore City B-HIP DPA Program

This program provides a forgivable loan of up to $10,000 to eligible homebuyers purchasing a home in Baltimore City.

HPAP DC
Program

Offers home buying assistance for first time home buyers up to $202,000 plus $4,000 for closing cost assistance.

Frederick County HAP DPA Program

Program offers up to $12,000 in down payment and closing cost assistance for eligible first-time homebuyers.

Gaithersburg GHALP DPA Program

This program awards eligible first time buyers purchasing within the City of Gaithersburg $12,000 – $25,000.

Hagerstown Home Store DPA Program

This program offers buyers looking to purchase in Hagerstown $3,500 or up to $6,000 when paired with assistance.

Howard County SDLP DPA Program

The program provides a deferred loan with a maximum of $40,000 for eligible buyers and capped interest rate at 3%.

Prince George’s County

Pathway to Purchase Programs

The Pathway to Purchase Program provides first-time homebuyers looking to purchase in PG County up to $25,000 in assistance.

UnitedWay Prosperity Program

This program allows eligible ALICE households in Frederick County to receive assistance up to $17,000 that will be matched for every $1 saved.

Essex 101.5% Financing Program

The Essex 101.5% Financing Program offers buyers 5% of their loan amount in assistance. This program is eligible for repeat homeowners.

Down Payment Assistance Mayland

The Maryland Mortgage Program

Maryland Mortgage Program

(MMP)
SmartBuy 3.0

MMP SmartBuy 3.0 program helps homebuyers with student debt purchase a home. It will forgive student debt up to $20,000 through the financing of your home.

Maryland Mortgage Program

(MMP) 1st Time Advantage

MMP 1st Time Advantage program offers first time homebuyers either a fixed amount of $6,000, or a percentage of the total loan amount (3%, 4%, or 5%) in assistance.

Maryland Mortgage Program

(MMP) Flex

The Flex program offers either $5,000 or 3% of your loan amount in assistance. This program is available for repeat homeowners.

Maryland Mortgage Program

(MMP)
HomeStart

MMP HomeStart is designed for first time homebuyers with income at or below 50% of the AMI & provides 6% of the total loan amount in assistance.

Maryland Mortgage Program

MMP) Home
Ability

MMP Home Ability helps Maryland homebuyers with disabilities finance their home purchase with assistance up to $45,000 offered.

Maryland Mortgage Program

(MMP) Montgomery County

The Montgomery County program awards assistance to first time buyers looking to purchase within the county & offers up to $25,000.

Down Payment Assistance Mayland

Frequently Asked Questions

How much money do I need to have saved when using a down payment assistance program or grant?

This answer truly depends. At a minimum we typically recommend having $1000 for your deposit on the contract, $500 for your home inspection, and $500 for the appraisal. From there, the seller could potentially cover the remaining closing cost that the down payment assistance program or grant does not therefore, this could be the minimum that you’ve had out-of-pocket, but it does just depend on how your contract is negotiated

Do down payment or grant programs have higher interest rates?

We offer many different types of down payment assistance programs & grants. Some do entail a higher rate while others do not; it just depends on what program you are utilizing. The program you use will be based on the location you purchase within, your total income, program type, etc. Once we have completed your prequalification, we will be able to determine which program is the best fit for you and go over the parameters from there.

Do I need to be a first time buyer to utilize down payment assistance?

No, that is not always the case, and we offer programs for not only people that are not first time buyers but actually for people who own other real estate currently.

Can I stack programs together?

Yes, stacking different down payment assistance programs and grants is an option that we would discuss upon your prequalification.

What is the difference between a down payment assistance program and grant?

The main difference between a down payment assistance program and a grant is that a grant is money that does not get paid back. A down payment assistance program is an interest free loan typically paid back when you sell or refinance the property.

What are the requirements to obtain down payment assistance or grants?

Typically speaking there is a class that you will be required to take online that we will guide you through.

Down Payment Assistance Mayland

our Testimonials

Ryan Vellek

Can not say enough good things about Pam and her team. We bought our first investment property over the summer and they went above and beyond to help answer all sorts of questions we had with the purchase and future ventures. It helped a lot that they had the experience to answer these questions and the communication skills to handle it all efficiently.

colby celmer

Pam was absolutely amazing and answered every question I had! I will absolutely refer Pamela!

C Marquis

The Pamela Vroman Team of Direct Mortgage was truly amazing. They helped me to get a home within the time frame I needed. I am grateful for their help. They made me happy.

S G

Locating the right lender can sometimes feel daunting. But after chatting with Pam following a recommendation from our agent, we knew right away that we were in good hands. She was personable, understanding, and very attentive to our needs as prospective home buyers. She navigated us through the loan process in a manner that made us feel safe and in good hands. We bought in a tough market, but she never made us feel like she wanted to take advantage of us via exorbitant interest rates etc. Instead, we saw that she fought hard and was intentional about getting us the best rate she could find for our scenario. She was not only very proactive with keeping us looped in throughout the process, but she was very responsive to phone calls and emails and always circled back in a very timely manner. On the day of settlement, she wasn’t required to be present, but she traveled far just to meet and formally congratulate us. She’s an utter professional with a very kind and warm demeanor. I would recommend her many times over to others. It was an absolute pleasure working with Pam!

LaTonya Venable

Becoming connected with Mrs. Vroman has been the greatest I have made. I've never met her in person, but it seems we have, not only a professional relationship, but a personal one as well. I say this because of the way she has interacted with me during my home buying journey. Pam and her team has been a God send. I have had such peace, thanks to Pam and the Direct Mortgage team. I am a first time home buyer and I owe it all to the Direct mortgage team.

Williams Olalekan

Pam and the entire team are just very wonderful, helpful and amazing. They are very professional in what they do… thank you for supporting us to get our first home. 🎉👍

Sherry Scire

Pam was Amazing to work with! I am a Real Estate Agent and I can tell you it is Very important to have a Good lender that knows what they are doing and how to keep things moving quickly. Pam is that Lender for sure! Pam kept everyone informed and up to date with all the lending process as it progressed. This property Closed on time and there were Very happy Buyers and Even happier Sellers. Thank you Pam for All your hard work and dedication it was Greatly appreciated. Sherry Scire RE/MAX Achievers

Oluwatobiloba Adepoju

I really appreciate Pam and her team during my home buying process. The process was easy and straightforward. I never had a hard time reaching the team because they were always available to receive my calls. I would definitely refer them😊

Send Us A Message

Your Path to Homeownership Starts Here.

Have questions or need guidance? Our team at Downpayment Assistance Maryland is here to support you every step of the way. Connect with us today to explore your options and make your homeownership dreams a reality!

Your Path to Homeownership Starts Here!

At Down Payment Assistance Maryland, we understand that buying a home is one of the biggest investments you’ll ever make, but for many, the dream of homeownership can seem out of reach. Our mission is to change that by making the home-buying process more accessible for everyone, especially first-time buyers. We specialize in connecting you with down payment assistance programs, grants, and financing solutions that help ease the financial burden of buying a home.