Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Maryland program

Maryland Mortgage Program 1st Time Advantage

Maryland route through Maryland Mortgage Program. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Multiple assistance options Check official rules 2026-04-19
Agency Maryland Mortgage Program
Support type Multiple assistance options
Amount highlight The official 1st Time Advantage page describes multiple options: a direct loan with no down payment assistance, a $6,000 down payment assistance option, 3%, 4%, and 5% down payment assistance options based on the first-mortgage amount, and a HomeStart option equal to 6% of the total loan amount for qualifying low-income buyers.
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

The official 1st Time Advantage page describes multiple options: a direct loan with no down payment assistance, a $6,000 down payment assistance option, 3%, 4%, and 5% down payment assistance options based on the first-mortgage amount, and a HomeStart option equal to 6% of the total loan amount for qualifying low-income buyers.

Type

Multiple assistance options

Repayment

The official 1st Time Advantage page states the $6,000, 3%, 4%, and 5% down payment assistance options are provided as zero-percent deferred second liens. The $6,000 option becomes due when the first mortgage ends, is refinanced, the home is transferred, or the home is sold. The HomeStart option is also described as a zero-percent deferred loan with a 30-year term.

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?

First-time homebuyers, Honorably discharged veterans, Buyers in targeted areas who qualify for a first mortgage without meeting the standard first-time-buyer test

What support do you get?

The official 1st Time Advantage page describes multiple options: a direct loan with no down payment assistance, a $6,000 down payment assistance option, 3%, 4%, and 5% down payment assistance options based on the first-mortgage amount, and a HomeStart option equal to 6% of the total loan amount for qualifying low-income buyers.

Do you repay it?

The official 1st Time Advantage page states the $6,000, 3%, 4%, and 5% down payment assistance options are provided as zero-percent deferred second liens. The $6,000 option becomes due when the first mortgage ends, is refinanced, the home is transferred, or the home is sold. The HomeStart option is also described as a zero-percent deferred loan with a 30-year term.

How do you apply?

Complete approved homebuyer education, choose the 1st Time Advantage structure that fits the transaction, and work with a Maryland Mortgage Program approved lender to originate the first mortgage and any paired assistance option.

Official source evidence

The official Maryland Mortgage Program 1st Time Advantage page lists a direct option, a $6,000 option, 3%, 4%, and 5% deferred down payment assistance options, and a HomeStart option equal to 6% of the total loan amount for qualifying borrowers.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for Maryland Mortgage Program 1st Time Advantage

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

Maryland Mortgage Program 1st Time Advantage

Amount: The official 1st Time Advantage page describes multiple options: a direct loan with no down payment assistance, a $6,000 down payment assistance option, 3%, 4%, and 5% down payment assistance options based on the first-mortgage amount, and a HomeStart option equal to 6% of the total loan amount for qualifying low-income buyers.

Repayment: The official 1st Time Advantage page states the $6,000, 3%, 4%, and 5% down payment assistance options are provided as zero-percent deferred second liens. The $6,000 option becomes due when the first mortgage ends, is refinanced, the home is transferred, or the home is sold. The HomeStart option is also described as a zero-percent deferred loan with a 30-year term.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • Maryland Mortgage Program 1st Time Advantage requires a participating lender.
  • Maryland Mortgage Program 1st Time Advantage must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does Maryland Mortgage Program 1st Time Advantage require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with Maryland Mortgage Program 1st Time Advantage, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm whether Maryland Mortgage Program 1st Time Advantage requires a participating lender.
  • Verify the required first-mortgage pairing for Maryland Mortgage Program 1st Time Advantage.
Unlock comparison and lender prep for Maryland

Paid research preview

What paid research already covers in Maryland

Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Maryland.

5 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

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 programs

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

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

1 tracked

public employee or pension paths

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

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

See deeper Maryland leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

Save for comparison

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

Open shortlist See deeper state leads