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Maryland program

Montgomery Employee Down Payment Assistance Loan (MEDPAL)

Maryland route through Maryland Mortgage Program / Maryland Department of Housing and Community Development. 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.

Deferred second mortgage Forgivable if occupancy holds 2026-04-19
Agency Maryland Mortgage Program / Maryland Department of Housing and Community Development
Support type Deferred second mortgage
Amount highlight Current MMP materials say approved Montgomery County employees may use a $50,000 second mortgage through MEDPAL, but the still-posted MEDPAL fact sheet continues to show a $25,000 amount, so the public amount guidance is in source conflict.
Last verified 2026-04-19

Use carefully

Current amount guidance conflicts

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The live Montgomery County specialty-products page and April 2026 directive point to $50,000, but the still-posted MEDPAL fact sheet still shows $25,000.

Source note: Use the live MMP specialty-products page and the April 2026 directive for the current amount, and treat the older fact sheet as stale until Maryland updates it.

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

Current MMP materials say approved Montgomery County employees may use a $50,000 second mortgage through MEDPAL, but the still-posted MEDPAL fact sheet continues to show a $25,000 amount, so the public amount guidance is in source conflict.

Type

Deferred second mortgage

Repayment

MEDPAL is structured as a 0% deferred second mortgage. Current MMP materials say repayment is triggered by sale, transfer, or refinance, and the current directive says the assistance is forgiven after 30 years if it is not repaid earlier.

First-time buyer

Varies

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?

Approved Montgomery County employees, Eligible Montgomery County Government employees, Eligible Montgomery County Public Schools employees

What support do you get?

Current MMP materials say approved Montgomery County employees may use a $50,000 second mortgage through MEDPAL, but the still-posted MEDPAL fact sheet continues to show a $25,000 amount, so the public amount guidance is in source conflict.

Do you repay it?

MEDPAL is structured as a 0% deferred second mortgage. Current MMP materials say repayment is triggered by sale, transfer, or refinance, and the current directive says the assistance is forgiven after 30 years if it is not repaid earlier.

How do you apply?

Start with a Maryland Mortgage Program approved lender, complete the required homebuyer education, use the qualifying MMP first-mortgage path, and have the lender confirm Montgomery County employment eligibility before reserving MEDPAL funds.

Application timing

MEDPAL loans may be reserved by lenders until funds are expended; borrowers work through a loan officer, complete required homebuyer education, obtain County employment qualification, and the lender funds the DPA at closing with CDA reimbursement after post-closing approval.

Official source evidence

The current Montgomery County specialty-products page says approved Montgomery County employees may use a $50,000 second mortgage through MEDPAL, and the April 2026 directive confirms the increase to $50,000. The still-posted MEDPAL fact sheet, however, continues to show a $25,000 amount.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for Montgomery Employee Down Payment Assistance Loan (MEDPAL)

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

Montgomery Employee Down Payment Assistance Loan (MEDPAL)

Amount: Current MMP materials say approved Montgomery County employees may use a $50,000 second mortgage through MEDPAL, but the still-posted MEDPAL fact sheet continues to show a $25,000 amount, so the public amount guidance is in source conflict.

Repayment: MEDPAL is structured as a 0% deferred second mortgage. Current MMP materials say repayment is triggered by sale, transfer, or refinance, and the current directive says the assistance is forgiven after 30 years if it is not repaid earlier.

First-time buyer: Varies

Timing: MEDPAL loans may be reserved by lenders until funds are expended; borrowers work through a loan officer, complete required homebuyer education, obtain County employment qualification, and the lender funds the DPA at closing with CDA reimbursement after post-closing approval.

Risk checks preview

What gets flagged before you call a lender

  • Montgomery Employee Down Payment Assistance Loan (MEDPAL) requires a participating lender.
  • Montgomery Employee Down Payment Assistance Loan (MEDPAL) must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Montgomery Employee Down Payment Assistance Loan (MEDPAL) for this household and loan setup?
  • Which first-mortgage product must be paired with Montgomery Employee Down Payment Assistance Loan (MEDPAL), and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Montgomery County specialty products page for Montgomery Employee Down Payment Assistance Loan (MEDPAL)
  • 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

See what this should be compared against

5 tracked deeper leads sit behind the full Maryland board around this program.

Open the full Maryland board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

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Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

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