Homebuyer Programs in Glen Burnie, MD (2026)
Glen Burnie is a census-designated place in Anne Arundel County, Maryland, located just south of Baltimore, with a median home price around $420,000. Homebuyers in Glen Burnie have access to one of the strongest county-level down payment assistance programs in Maryland: the Anne Arundel County Mortgage Assistance Program (MAP), which provides up to $50,000 as a zero-interest deferred loan for first-time buyers. At the state level, the Maryland Mortgage Program 1st Time Advantage offers up to $6,000, and the Maryland HomeAbility program provides up to $45,000 for buyers with disabilities. Habitat for Humanity of the Chesapeake also builds affordable homes in the area for families earning 30%-80% of AMI. By combining county and state programs, eligible Glen Burnie buyers could receive over $50,000 in total down payment and closing cost assistance.
Top Homebuyer Programs in Glen Burnie
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Anne Arundel County Mortgage Assistance Program (MAP) | Deferred Loan | Up to $50,000 | Yes | View → |
| 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 → |
| 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+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| Habitat for Humanity of the Chesapeake Homeownership Program | Zero-Interest Loan | Affordable mortgage with below-market terms | No | View → |
| Maryland HomeAbility | Deferred Loan | Up to 25% of the purchase price or $45,000 for down payment and closing costs | No | 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 → |
- Type:
- Deferred Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
- 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
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with below-market terms
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to 25% of the purchase price or $45,000 for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $6,000 or 3%-5% of the first mortgage amount
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $6,000
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to 15% of the purchase price or $20,000, whichever is less
- First-time only:
- No
How to Apply
- Step 1:
Check your eligibility. The Anne Arundel County MAP program requires household income at or below 100% of Area Median Income based on family size. You must be a first-time homebuyer and plan to occupy the home as your primary residence. Non-occupant co-borrowers are not permitted.
- Step 2:
Enroll in the ACDS Homeownership Counseling Program. This free program consists of 4 classes totaling 8 hours and is held virtually via Microsoft Teams. You must graduate before entering into a contract to purchase a home. Contact ACDS at 410-222-7600 to register. Graduation certificates are valid for one year.
- Step 3:
Contact ACDS for MAP application details. After completing homeownership counseling, contact ACDS at 410-222-7600 to confirm current income limits and get connected with a participating lender who can process MAP loans.
- Step 4:
Get pre-approved with a participating lender. The MAP loan can be used in conjunction with FHA loans and the Maryland Mortgage Program. Your lender can help you stack county and state assistance for maximum benefit.
- Step 5:
Find a home in Anne Arundel County. The home must be located within the county and will serve as your principal residence.
- Step 6:
Submit your applications and close. Your lender coordinates the MAP application alongside your first mortgage. The MAP loan is a zero-interest deferred loan with no monthly payments, due only upon sale, transfer, or after 30 years.