Mortgage Navigator • Maryland DPA

Maryland down payment assistance, deep-checked against current state program sources.

A current inventory of state-run and state-administered assistance in Maryland, plus national DPA options. Funding and rate sheets can still change after this review date.

Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260

Check My Maryland DPA Options Compare Programs

Published Minimum FICO: Published minimum FICO is shown only where the administering agency currently publishes one. If a universal score is not established, Mortgage Navigator labels it product/program specific rather than inventing a number.

Quick comparison

Program	Potential assistance	Published min. FICO	Repayment/Forgiveness	Biggest catch
MMP 1st Time Advantage 6000	$6,000	program specific	0% deferred DPA loan	Verify live funding and current lender matrix before relying on the program.
MMP 1st Time Advantage 3%	3% of first mortgage	program specific	0% deferred DPA loan	Verify live funding and current lender matrix before relying on the program.
MMP 1st Time Advantage 4%	4% of first mortgage	program specific	0% deferred DPA loan	Verify live funding and current lender matrix before relying on the program.
MMP 1st Time Advantage 5%	5% of first mortgage	program specific	0% deferred DPA loan	Verify live funding and current lender matrix before relying on the program.
MMP HomeStart 6%	6% of first mortgage	program specific	0% deferred 30-year DPA loan	Much narrower income targeting than standard MMP assistance.
MMP Flex 6000	$6,000	program specific	0% deferred DPA loan	Verify live funding and current lender matrix before relying on the program.
MMP Flex 3%	3% of first mortgage	program specific	0% deferred DPA loan	Verify live funding and current lender matrix before relying on the program.
MMP UPLIFT	5% DPA	program specific	MMP deferred DPA structure	Property must meet UPLIFT program requirements.
MMP First Homes for First Responders and Teachers	5% DPA	program specific	MMP deferred DPA structure	Verify live funding and current lender matrix before relying on the program.
MMP HomeAbility	Up to 25% of purchase price, max $45,000	program specific	0% deferred DPA second	Special disability/guardian and income eligibility applies.
MMP Montgomery County Homeownership Program	Up to 40% of household income, max $50,000 under current directive	program specific	0% deferred DPA	Geographically limited to Montgomery County and funding constrained.
Maryland SmartBuy 3.0	Student-debt payoff up to 15% purchase price, max $25,000; may combine with eligible MMP DPA	program specific	0% student-debt assistance forgiven after 5 years if occupancy conditions met	The headline $25,000 pays qualifying student debt, not down payment; separate eligible MMP DPA may be paired.
MMP Partner Match	State match up to $2,500 with approved partner assistance	program specific	Match follows current MMP/partner terms	Not standalone DPA; requires qualifying partner contribution.
Smart Keys 4 Employees	$1,000 additional deferred assistance	program specific	Deferred assistance for eligible Maryland state employees	Small supplemental benefit with workplace/property-location requirements.

State program

MMP 1st Time Advantage 6000

MMP 1st Time Advantage 6000 is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.