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Maryland Mortgage Program - Flex Loan

Administered by:
Maryland Department of Housing and Community Development
· State · Deferred Loan
Funding status: Active

How much assistance

Up to $6,000
Zero-interest deferred second mortgage with no monthly payments. Balance due when the first mortgage is paid off, refinanced, or the property is sold.

Eligibility

  • Income limits: Varies by county and household size. See MMP income limit chart for specifics.
  • First-time buyer required: No
  • Credit score minimum: 640
  • Geographic restrictions: Must purchase a home in Maryland as primary residence.
  • Homebuyer education required: Yes

How to Apply for Maryland Mortgage Program - Flex Loan

Contact an MMP-approved lender to get pre-qualified. Available to both first-time and repeat homebuyers.

Learn More About Homebuying in Maryland

Cities Where This Program Is Available (16 cities across 1 state)

Available Statewide In