Maryland program
Maryland route through Frederick County Division of Housing. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
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Matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred loan for a total of $17,000 in down payment and closing cost assistance.
Deferred second mortgage
The official Frederick County page states the HK4E match is a 0% deferred loan until the home is sold or refinanced, with no monthly payments required.
Not required
Program guide
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Full-time regular Frederick County employees, Borrowers using Maryland Mortgage Program 1st Time Advantage or Flex 6000
Matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred loan for a total of $17,000 in down payment and closing cost assistance.
The official Frederick County page states the HK4E match is a 0% deferred loan until the home is sold or refinanced, with no monthly payments required.
Have the first lender submit the HK4E application on the homebuyer's behalf while using the qualifying Maryland Mortgage Program first mortgage product.
The official Frederick County page states that House Keys 4 Employees matches Maryland Mortgage Program assistance with an additional $8,500 deferred loan for a total of $17,000 and that the loan stays deferred until sale or refinance with no monthly payments.
2026-04-19
Effective date not captured.
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Comparison preview
Amount: Matches the Maryland Mortgage Program $8,500 zero-percent deferred loan with an additional $8,500 deferred loan for a total of $17,000 in down payment and closing cost assistance.
Repayment: The official Frederick County page states the HK4E match is a 0% deferred loan until the home is sold or refinanced, with no monthly payments required.
First-time buyer: Not required
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Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Maryland.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
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Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
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Public employee or pension-backed mortgage angles that need slower source review.
2 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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