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Maryland program

Howard County Settlement Downpayment Loan Program (SDLP)

Maryland route through Howard County Department of Housing and Community Development. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Deferred second mortgage Repay later on trigger 2026-04-19
Agency Howard County Department of Housing and Community Development
Support type Deferred second mortgage
Amount highlight Howard County offers loans for settlement and downpayment costs; the official page directs applicants to the current SDLP information packet for current loan limits.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Maryland program hub

Amount

Howard County offers loans for settlement and downpayment costs; the official page directs applicants to the current SDLP information packet for current loan limits.

Type

Deferred second mortgage

Repayment

The official Howard County page states all SDLP loans are deferred and become due upon sale of the home, refinance, or default. The page also states the loans carry low interest rates at 2 points below the primary mortgage interest rate.

First-time buyer

Not required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Howard County homebuyers, First-time homebuyers for HomeStarter, HomeSteader, and DreamMaker loans, Repeat buyers may qualify for Revitalization and Workforce Initiative loans

What support do you get?

Howard County offers loans for settlement and downpayment costs; the official page directs applicants to the current SDLP information packet for current loan limits.

Do you repay it?

The official Howard County page states all SDLP loans are deferred and become due upon sale of the home, refinance, or default. The page also states the loans carry low interest rates at 2 points below the primary mortgage interest rate.

How do you apply?

Apply through an approved lender, have the lender reserve funds directly with DHCD after primary mortgage approval, and let the lender send the application and required documents to DHCD for processing.

Official source evidence

The official Howard County SDLP page states that loans are available for settlement and downpayment costs, are deferred until sale, refinance, or default, and are processed through approved lenders who reserve funds directly with DHCD.

View official source

Last verified

2026-04-19

2024-04-12

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Comparison preview

Howard County Settlement Downpayment Loan Program (SDLP)

Amount: Howard County offers loans for settlement and downpayment costs; the official page directs applicants to the current SDLP information packet for current loan limits.

Repayment: The official Howard County page states all SDLP loans are deferred and become due upon sale of the home, refinance, or default. The page also states the loans carry low interest rates at 2 points below the primary mortgage interest rate.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • Howard County Settlement Downpayment Loan Program (SDLP) requires a participating lender.
  • Howard County Settlement Downpayment Loan Program (SDLP) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does Howard County Settlement Downpayment Loan Program (SDLP) require a participating lender for this household and loan setup?
  • Which events trigger repayment for Howard County Settlement Downpayment Loan Program (SDLP): sale, refinance?

Action checklist preview

What you would do next

  • Confirm whether Howard County Settlement Downpayment Loan Program (SDLP) requires a participating lender.
  • Review the official Program page for Howard County Settlement Downpayment Loan Program (SDLP).
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city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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employer-assisted paths

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public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

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specialty and conditional paths

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