Home Buying Loan Programs

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Embark on the journey to your first home with anticipation and excitement. As you navigate the path to homeownership, discover the opportunities offered by First-Time Home Buyer Programs. These specialized programs are crafted to enhance accessibility to homeownership, providing crucial financial assistance along the way. The prospect of owning your inaugural home becomes more tangible and real as these programs unfold.
Picture a seamless journey guided by support and tailored solutions. Whether it's easing financial constraints or facilitating key steps in the home buying process, these programs exist to transform the dream of your first home into a fulfilling reality. Take advantage of this pivotal moment, where the excitement of a new chapter aligns with the practical assistance offered by First-Time Home Buyer Programs. Your pathway to homeownership is paved with possibilities, making the prospect of owning your first home an achievable and rewarding reality.
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​ Maryland Mortgage Program 1st Time Advantage

Location: Maryland

First-time Advantage loans provide eligible first-time homebuyers in Maryland with the lowest 30-year fixed interest rates under the Maryland Mortgage Program. These loans cannot be combined with the Maryland HomeCredit Program.

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Maryland Mortgage Program Flex

Location: Maryland

30-year, fixed-rate home loan products accompanied by additional funds for down​ payment and closing costs. The assistance is available in the form of no-interest, deferred loan​.

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Maryland Partner Match Programs

Location: Maryland

Available only with 1st Time Advantage 6000 or Flex 6​000 loans​. Funds available through the Partner Match Program are provided in the form of a no-interest, deferred loan and may be used for down payment and closing costs.​

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Montgomery County Specialty Products

Location: Maryland

Access down payment assistance with Montgomery Homeownership Program VIII and MEDPAL by Maryland Mortgage Program in collaboration with Montgomery County.

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Greenbelt, Maryland Home Advantage

Location: Maryland

Discover the path to homeownership with FriendlyRealtor. Search for tailored loan programs, connect with certified partners, and access valuable resources to turn your homeownership dreams into reality

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Maryland Home Ability Program

Location: Maryland

HomeAbility: Maryland's Conventional Loan program, providing up to 95% LTV for the first lien and up to 25% ($45,000 max) for down payment and closing costs in a second lien, fostering accessible homeownership.

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Maryland SmartBuy Program

Location: Maryland

​​​Maryland SmartBuy 3.0 gives homebuyers an opportunity to purchase any home in Maryland that meets Maryland Mortgage Program guidelines while paying off student debt.

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Washington DC Inclusionary Zoning (IZ) Affordable Housing Program

Location: WashingtonDC

The Inclusionary Zoning (IZ) Program requires that most new (and some renovated) residential developments include some affordable homes. IZ homes are apartments for rent or condos/townhomes for sale.

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Virginia Down Payment Assistance Grant

Location: Virginia

The Down Payment Assistance Grant aids homebuyers in targeted areas, offering a non-repayable grant to ease down payment challenges. Compatible with Virginia Housing loans.

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Washington DC Home Purchase Assistance Program

Location: WashingtonDC

In Fiscal Year 2023, HPAP achieved a record $70M in loans, aiding 480 first-time homebuyers and advancing Mayor Bowser's 2030 goal of 20,000 new Black homeowners. The Markdown provides info on funds, eligibility, and resources for applicants.

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