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Maryland program

Prince George's County Pathway to Purchase

Maryland route through Prince George's County 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.

Forgivable second mortgage Forgivable if occupancy holds 2026-04-19
Agency Prince George's County Department of Housing and Community Development
Support type Forgivable second mortgage
Amount highlight Up to $50,000 in down payment and closing costs toward the purchase of a first home in Prince George's County.
Last verified 2026-04-19

Decision-ready public facts

What stays free on this program page

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Amount

Up to $50,000 in down payment and closing costs toward the purchase of a first home in Prince George's County.

Type

Forgivable second mortgage

Repayment

Pathway to Purchase is a 0% interest deferred payment loan that is forgiven after 10 years. The loan must be repaid in full if the home is sold, transferred, or stops being the buyer's primary residence within the 10-year affordability period.

First-time buyer

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 purchasing in Prince George's County

What support do you get?

Up to $50,000 in down payment and closing costs toward the purchase of a first home in Prince George's County.

Do you repay it?

Pathway to Purchase is a 0% interest deferred payment loan that is forgiven after 10 years. The loan must be repaid in full if the home is sold, transferred, or stops being the buyer's primary residence within the 10-year affordability period.

How do you apply?

Start with an approved mortgage lender, get qualified for the first mortgage, then have the lender send the loan package to the Pathway to Purchase program for county review and consideration.

Application timing

A certified participating lender submits the complete P2P package after contract, conditional first-mortgage approval, counseling, and HQS steps; P2P requires 21 business days to process and close after checklist receipt, at least 21 business days left on the contract, and funds are approved first-come, first-ready.

Official source evidence

The current Prince George's County page says first-time buyers could be eligible for up to $50,000 in down payment and closing costs, that the loan is 0% interest and deferred, and that it is forgiven after 10 years. The same page says repayment is triggered if the home is sold, transferred, or stops being the primary residence within the affordability period.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for Prince George's County Pathway to Purchase

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Comparison preview

Prince George's County Pathway to Purchase

Amount: Up to $50,000 in down payment and closing costs toward the purchase of a first home in Prince George's County.

Repayment: Pathway to Purchase is a 0% interest deferred payment loan that is forgiven after 10 years. The loan must be repaid in full if the home is sold, transferred, or stops being the buyer's primary residence within the 10-year affordability period.

First-time buyer: Required

Timing: A certified participating lender submits the complete P2P package after contract, conditional first-mortgage approval, counseling, and HQS steps; P2P requires 21 business days to process and close after checklist receipt, at least 21 business days left on the contract, and funds are approved first-come, first-ready.

Risk checks preview

What gets flagged before you call a lender

  • Prince George's County Pathway to Purchase requires a participating lender.
  • Prince George's County Pathway to Purchase can trigger repayment if owner occupancy changes.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Prince George's County Pathway to Purchase for this household and loan setup?
  • Which events trigger repayment for Prince George's County Pathway to Purchase: transfer, non_owner_occupancy?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Program page for Prince George's County Pathway to Purchase
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Paid research preview

What paid research already covers in Maryland

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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

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 paths

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specialty and conditional paths

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