The Maryland Department of Housing and Community Development Offers Funds

Maryland First Time Home Buyer Grants

Are you thinking of buying your first home in Maryland? Would you like a free gift of money to help you purchase that first home? Unfortunately, the state of Maryland does not directly provide free grant money for its residents who are first time home buyers and need help with the down payment and closing costs as some other states do. However, there is still Federal Grant money available as well as grants from private foundations. This is free money that shouldn’t be passed up! The grant awards can be in the thousands of dollars. It will be well worth your time to educate yourself about the grant programs that are available for Maryland residents.

The costs of downpayment and settlement can overwhelm first-time homebuyers and is listed as the number one barrier to homeownership. The Maryland Department of housing and Community Development provides standard downpayment and closing cost assistance in the form of a product called DSELP. You may also be eligible for additional assistance through one of their Partner Match Programs. for more information go to this website.

The contact information for the Maryland Mortgage Program is:

Maryland Community Development Administration
100 Community Place
Crownsville, MD 21032-2023
Phone: 800-638-7781

Federal Grants

Besides the state programs, there are federal funds and grants available to the home buyers in Maryland through the Homes and Communities program of the United States Department of Housing and Urban Development. On their website you’ll find complete grant information, application forms, description of available funds, as well as many other helpful tools.

Every potential home buyer should investigate what they have to offer. You can visit the website by going here: US Dept. of Housing and Urban Development. Also,  there is a website that has a complete list of all grant programs available through the United States Federal Government: You should plan to spend the required time investigating to determine how many individual grants they may qualify for. You can visit the website by going to and search for more information.

Other Grants in Maryland

In addition to the grant programs described above, the U.S. Department of Housing and Urban Development provides home buyer assistance and grants in every state. There are multiple grant programs designed specifically for people that meet certain requirements, such as grants for people with disabilities so they can continue to live independently at home. It is worth visiting HUD’s website to see what assistance is currently available. For your convenience, simply go to here.

Here is the contact information for the HUD office in Maryland:

Baltimore Field Office
10 South Howard Street
5th Floor
Baltimore, MD 21201-2505
Phone: (410) 962-2520
Fax: (410) 209-6670

There are also these local programs:

Annapolis Homeownership Gap Financing Program (GAP) (410) 269-1222
Annapolis Homes for America Homeownership Closing Cost Program (HCC) (410) 269-1222
Anne Arundel County Arundel Community Development Services Inc Mortgage Assistance Program (MAP) (410) 222-7600
Baltimore Buying Into Baltimore Home Sale Program (BIB) (410) 396-4606
Baltimore City Employee Homeownership Program (410) 396-3124
Baltimore County Incentive Purchase Program (IPP) (410) 887-3803
Baltimore Empowerment Zone Housing Venture Fund Program (410) 396-3124
Baltimore Neighborhood Housing Services of Baltimore Inc Closing Cost Loan Program (CCLP) (410) 327-1200
Charles County First Time Home Buyers Settlement Expense Loan Program (SELP) (301) 934-9305
Cumberland Neighborhood Housing Services Closing Cost Grant (CCG) (301) 722-6958
Rockville REACH Program (DAP) (301) 590-2014

About Jennifer Cribsly

I'm a former real estate broker who specialized in helping first time buyers be able to purchase a home. Now full time mom, part time real estate owner/investor.
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