See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated March 28, 2026

Homebuyer Programs in Annapolis, MD (2026)

Population: 40,000 | Median home price: $475,000 | Est. closing costs: $9,500 - $14,500

Annapolis is the capital of Maryland and the county seat of Anne Arundel County, a historic waterfront city of about 40,000 residents with a median home price near $475,000. Annapolis buyers benefit from one of the strongest county-level programs in the state through the Anne Arundel County Mortgage Assistance Program (MAP), which provides up to $50,000 in deferred-loan down payment and closing cost assistance. The City of Annapolis also offers the MPDU Settlement Expense Assistance Program, providing up to $10,000 for buyers purchasing below-market Moderately Priced Dwelling Units within city limits. Habitat for Humanity of the Chesapeake serves the area with affordable zero-interest homeownership opportunities. Combined with Maryland Mortgage Program state assistance of up to $6,000, eligible Annapolis buyers can potentially access over $60,000 in total down payment and closing cost help.

City Programs in Annapolis

Program Name	Type	Amount	First-Time Only	Details
Annapolis MPDU Settlement Expense Assistance Program	Deferred Loan	Up to $10,000	Yes	View →

Annapolis MPDU Settlement Expense Assistance Program

Type:: Deferred Loan
Amount:: Up to $10,000
First-time only:: Yes

County Programs in Anne Arundel County

Program Name	Type	Amount	First-Time Only	Details
Anne Arundel County Mortgage Assistance Program (MAP)	Deferred Loan	Up to $50,000	Yes	View →

Anne Arundel County Mortgage Assistance Program (MAP)

Type:: Deferred Loan
Amount:: Up to $50,000
First-time only:: Yes

State Programs in Maryland

Program Name	Type	Amount	First-Time Only	Details
FHLBA Community Partners Product	Forgivable Loan	Up to $20,000 in home purchase assistance for down payment and closing costs	No	View →
FHLBA First Time Homebuyer Product	Forgivable Loan	Up to $17,500 in home purchase assistance for down payment and closing costs	Yes	View →
FHLBA Workforce Housing Plus+	Grant	Up to $15,000 in home purchase assistance for down payment and closing costs	No	View →
Maryland HomeAbility	Deferred Loan	0% deferred second loan of up to 25% of the purchase price, capped at $45,000, for down payment and closing costs; first and second loans combined may not exceed 105% of the purchase price	Yes	View →
Maryland Mortgage Program - 1st Time Advantage	Deferred Loan	Up to $6,000 or 3%-5% of the first mortgage amount	Yes	View →
Maryland Mortgage Program - Flex Loan	Deferred Loan	Up to $6,000	No	View →
Maryland SmartBuy 3.0	Forgivable Loan	Up to 15% of the purchase price or $20,000, whichever is less	No	View →

FHLBA Community Partners Product

Type:: Forgivable Loan
Amount:: Up to $20,000 in home purchase assistance for down payment and closing costs
First-time only:: No

FHLBA First Time Homebuyer Product

Type:: Forgivable Loan
Amount:: Up to $17,500 in home purchase assistance for down payment and closing costs
First-time only:: Yes

FHLBA Workforce Housing Plus+

Type:: Grant
Amount:: Up to $15,000 in home purchase assistance for down payment and closing costs
First-time only:: No

Maryland HomeAbility

Type:: Deferred Loan
Amount:: 0% deferred second loan of up to 25% of the purchase price, capped at $45,000, for down payment and closing costs; first and second loans combined may not exceed 105% of the purchase price
First-time only:: Yes

Maryland Mortgage Program - 1st Time Advantage

Type:: Deferred Loan
Amount:: Up to $6,000 or 3%-5% of the first mortgage amount
First-time only:: Yes

Maryland Mortgage Program - Flex Loan

Type:: Deferred Loan
Amount:: Up to $6,000
First-time only:: No

Maryland SmartBuy 3.0

Type:: Forgivable Loan
Amount:: Up to 15% of the purchase price or $20,000, whichever is less
First-time only:: No

Federal Programs

Program Name	Type	Amount	First-Time Only	Details
FHA Loans	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)	No	View →
Good Neighbor Next Door (HUD)	Government Property Sale Program	50% discount off the list price of HUD-owned homes	Yes	View →
Home Possible Mortgage (Freddie Mac)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HomeReady Mortgage (Fannie Mae)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HUD $100 Down Program	FHA-Financed HUD REO Purchase	Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.	No	View →
USDA Rural Development Loans	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value	No	View →
VA Loans	Government-Guaranteed Mortgage	No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)	No	View →

FHA Loans

Type:: Government-Insured Mortgage
Amount:: Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:: No

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HomeReady Mortgage (Fannie Mae)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HUD $100 Down Program

Type:: FHA-Financed HUD REO Purchase
Amount:: Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:: No

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

Type:: Government-Guaranteed Mortgage
Amount:: No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:: No

Nonprofit Programs

Program Name	Type	Amount	First-Time Only	Details
Habitat for Humanity of the Chesapeake Homeownership Program	Zero-Interest Loan	Affordable mortgage with below-market terms	No	View →

Habitat for Humanity of the Chesapeake Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable mortgage with below-market terms
First-time only:: No

Free eligibility check

17 programs available in Annapolis. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. The Anne Arundel County MAP requires household income at or below 100% of the Area Median Income. Review current income limits by contacting Arundel Community Development Services (ACDS) at 410-222-7600.

Step 2: Complete homebuyer education. The MAP program requires graduation from the ACDS Homeownership Counseling Program, which is 4 classes totaling 8 hours and typically takes 2-4 months to complete. Contact ACDS at 2666 Riva Road, Suite 210, Annapolis, MD 21401 to enroll.

Step 3: Get pre-approved through a participating lender. The Maryland Mortgage Program requires an approved lender who can package state and county assistance together. Ask about combining the MAP deferred loan with the MMP first mortgage for maximum benefit.

Step 4: Explore the Annapolis MPDU program. If you are interested in below-market priced homes within city limits, contact the City of Annapolis Department of Planning and Zoning to learn about MPDU availability. The MPDU Settlement Expense Assistance Program provides up to $10,000 toward settlement costs. Buyers must contribute at least 1% of the sales price from their own funds.

Step 5: Find a home and submit your application. Work with your lender and ACDS counselor to identify properties within program limits. Once under contract, your lender and ACDS will help you apply for MAP assistance.

Step 6: Close on your home. Processing times vary, so start the education and pre-approval process well before you plan to purchase. The MAP deferred loan has no monthly payments and carries a zero percent interest rate.

Frequently Asked Questions

How much down payment assistance can I get in Annapolis?+

Annapolis buyers can access substantial assistance. The Anne Arundel County Mortgage Assistance Program (MAP) offers up to $50,000 as a deferred loan for down payment and closing costs. The Maryland Mortgage Program 1st Time Advantage adds up to $6,000, and the Partner Match Program can contribute an additional $2,500. The Annapolis MPDU Settlement Expense Assistance Program provides up to $10,000 for buyers purchasing MPDU homes within city limits. By combining eligible programs, qualified buyers could access over $60,000 in total assistance.

Do I have to be a first-time homebuyer to qualify?+

Yes, the Anne Arundel County MAP and the Annapolis MPDU Settlement Expense Assistance Program both require first-time buyer status, meaning you have not owned a home in the past three years. The Maryland Mortgage Program 1st Time Advantage also requires first-time buyer status, though MMP Flex products are available to repeat buyers.

What is the Anne Arundel County Mortgage Assistance Program (MAP)?+

MAP provides deferred loans up to $50,000 to first-time homebuyers in Anne Arundel County for down payment and settlement costs. The loan carries a zero percent interest rate with no monthly payments. To qualify, your household income must be at or below 100% of the Area Median Income and you must graduate from the ACDS Homeownership Counseling Program. Contact ACDS at 410-222-7600 to get started.

What homebuyer education is required?+

The MAP program requires completion of the ACDS Homeownership Counseling Program, which is 4 classes totaling 8 hours and typically takes 2-4 months from start to finish. ACDS is located at 2666 Riva Road, Suite 210, Annapolis, MD 21401. Contact them at 410-222-7600 to enroll. Most state programs also require a HUD-approved homebuyer education course, which the ACDS program satisfies.

What is the Annapolis MPDU Settlement Expense Assistance Program?+

The City of Annapolis requires certain developers to set aside a percentage of homes at below-market prices through its Moderately Priced Dwelling Unit (MPDU) program. The MPDU Settlement Expense Assistance Program provides up to $10,000 as a zero-interest deferred loan to help MPDU buyers cover down payment and closing costs. The loan requires no monthly payments and is repayable upon sale, transfer, or at the end of 10 years. Buyers must contribute at least 1% of the sales price from their own funds.

Can I combine multiple programs together?+

Yes. The MAP county assistance can be stacked with Maryland Mortgage Program state assistance for a combined benefit that could exceed $56,000. If you are purchasing an MPDU home within Annapolis city limits, you may also be eligible for the additional $10,000 MPDU Settlement Expense Assistance. Work with an ACDS counselor and an MMP-approved lender to determine which programs you qualify for and how to maximize your total assistance.