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Maryland Down Payment Assistance

Learn About Maryland Down Payment Assistance

maryland flag Maryland Down Payment Assistance

The following mortgage down payment assistance programs were developed by the Maryland Department of Housing & Community Development (DHCD). See more information about local Maryland down payment assistance programs.

Down Payment and Settlement Expense Loan Program (DSLEP)

Borrowers who are approved to purchase a home using a Community Development Administration (CDA) first mortgage loan are able to apply for this Maryland down payment assistance program.

  • Maximum interest-free loan of $5,000 for first-time homebuyers

  • Total Household income cannot exceed 55% of the Area Median Income

  • Payable upon payoff of your first mortgage, sale of your home, or transfer of title


House Keys 4 Employees (HK4E)

Available to borrowers receiving contributions from participating employers and are using a Maryland Mortgage Program loan, offering additional Maryland down payment / closing cost assistance than what is available through DSLEP.

  • DHCD will match contributions, dollar-for-dollar, for a maximum interest-free loan of $2,500

  • Contributions from local jurisdictions, unions and/or nonprofit agencies may be combined; however, the HK4E match will not exceed $2,500

List of Participating Maryland Employers  



Builder/Developer Incentive Program (BDIP)

Available to borrowers receiving contributions from participating builders/developers and who meet the requirements of the Maryland Mortgage Program, offering additional Maryland down payment / closing cost assistance than what is available through DSLEP.

  • DHCD will match contributions, dollar-for-dollar, for a maximum interest-free loan of $2,500

  • Contributions from local jurisdictions, unions and/or nonprofit agencies may be combined; however, the BDIP match will not exceed $2,500

List of Participating Maryland Builders and Developers  



Community Partner Incentive Program (CPIP)

Available to borrowers using a Maryland Mortgage Program loan and who are receiving contributions from participating community partners, offering additional Maryland down payment / closing cost assistance than what is available through DSLEP.


  • DHCD will match contributions, dollar-for-dollar, for a maximum interest-free loan of $2,500

  • Contributions from local jurisdictions, unions and/or nonprofit agencies may be combined; however, the CPIP match will not exceed $2,500

List of Participating Maryland Community Partners  



Base Realignment and Closure (BRAC) Match Program

Available to federal employees (civilian and military) using a Maryland Mortgage Program loan and who are relocating to Maryland as a result of the 2005 BRAC decisions.


  • Maximum interest-free  loan of $2,500

  • Payable upon payoff of your first mortgage, sale of your home, or transfer of title

  • May be combined with other DHCD Maryland down payment/closing cost assistance programs



Home Buyer's Education

To qualify for down payment assistance in Maryland, all buyers are expected to attend a homebuyer’s workshop.

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Toll-Free 877 878 0100
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Meridian Home Mortgage Corporation NMLS #56301. NMLS Consumer Access. Licensed by the Alabama Consumer Credit License #MC21537; Colorado NMLS#56301; Connecticut Banking Commission #11930; Delaware Bank Commissioner #7885; District of Columbia MLB56301; Florida Office of Regulation MLD172; Georgia Department of Banking and Finance #33346; Illinois #MB 6760979; Indiana DFI #21140; Kentucky MB 72686; Louisiana Office of Financial Institutions #56301; State of Maryland #8196; Massachusetts Division of Banks Broker #MB56301; Michigan Mortgage Broker/Lender License #FL0018834; Minnesota Residential Mortgage License #MN-MO-56301; New Jersey Department of Banking and Insurance #56301; North Carolina Mortgage Lender License #L-157597; Oregon ML-4979; Commonwealth of Pennsylvania Department of Banking #38116; Utah #8765558; Virginia State Corporation Commission #MC-3680; Washington CL-56301. Loans are arranged through third parties in DC, DE, KY and MA.
Meridian Home Mortgage Corporation is located at 1363 N. Main St Hampstead, Maryland 21074