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Maryland program

Maryland Mortgage Program 1st Time Advantage

Maryland route through Maryland Mortgage Program. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Multiple assistance options Deferred due on exit 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 stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Maryland program hub if you need the wider state context.

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

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

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.

Application timing

1st Time Advantage borrowers work through an MMP-approved lender; the lender reserves the loan in Lender Online after a fully ratified sales contract, homebuyer education is required before closing, and MMP says compliance review targets two business days for initial review.

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

Timing: 1st Time Advantage borrowers work through an MMP-approved lender; the lender reserves the loan in Lender Online after a fully ratified sales contract, homebuyer education is required before closing, and MMP says compliance review targets two business days for initial review.

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

  • Is your team approved to originate Maryland Mortgage Program 1st Time Advantage for this household and loan setup?
  • Which first-mortgage product must be paired with Maryland Mortgage Program 1st Time Advantage, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Program page for Maryland Mortgage Program 1st Time Advantage
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Maryland board

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.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

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

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Full state board

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Risk and lender prep

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