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Maryland Mortgage Program - Wicomico/ Worcester/Washington (Non-Targeted)
MD Dept. of Housing & Community Development (DHCD)


Tonna Phelps
Department of Housing & Community Development 100 Community Place
Crownsville Maryland 21032

Program Overview

Maryland Mortgage Program - Wicomico/ Worcester/Washington (Non-Targeted) is a low-interest, fixed-rate mortgage financing program available though certified lenders with 30-year term for first-time homebuyers or buyers who have not owned a principal residence for 3 years. Closing cost and downpayment assistance is available with all state single-family mortgage products. All of Maryland - different limits for incomes and maximum loans are applicable in different locations.

Who is eligible for this program?

You must be a first-time homebuyer in most parts of Wicomico, Worcester and Washington counties. Must meet income qualifications and purchase price limits. In non-targeted areas, incomes can be as high as $88,080 for 1-2 persons and $102,760 for households of 3 or more persons.

Up to 100% of the sales price may be financed depending upon mortgage insurance selected.
Maximum % of Sales Price: 100%
HUD Median Income Limits: 100
Household Income Limit: $ 98555
Is this program for first time buyers only? Yes

Property Eligibility Requirements

You MUST be a first-time homebuyer UNLESS the property is located in: Washington County (ONLY Census Tracts 0003.02, 0004.00, 0007.00 and 0009.00); Wicomico County (ONLY Census Tracts 0001.00, 0003.00, 0005.00, 0102.00); and Worcester County (ONLY Census Tract 9903.00). Borrower MUST be a first-time homebuyer in all other areas.

The sales price cannot exceed $ 329,854 in Washington County, $287,257 in Wicomico County and $382,281 in Worcester County..

Allowable property types: Existing single family, new construction (MUST be in a designated Priority Funding Area), townhouses, detached or semi-detached homes; condominium units, modular or manufactured homes (with state-approved code compliance)

Benefit Details

The Maryland Mortgage Program, also called More House 4 Less, allows financing for up to 100% of the sales price at below-market, fixed interest rates. Only 30 -year fixed rate mortgage is currently available. The homebuyer may select a Downpayment and Settlement Expense Loan (DSELP) up to $5,000. (The DSELP loan is a 0% deferred loan, repayable upon sale of the home or refinancing of the state’s loan.)

Benefit: Interest rates vary from 3.5% up to 3.875% depending upon the loan term and the points that the buyer is willing to pay at closing.
Loan Term:30 years
Homebuyer Counseling /
Education Required:
Owner Occupancy Required:Yes
Other Program Comments:Mortgage insurance is required. Borrowers must apply through participating lenders. The lenders work with Maryland?s housing finance agency, the Community Development Administration (CDA), within the Department of Housing and Community Development (DHCD).

Please note: Every attempt is made to reflect accurate and up to date information on housing programs displayed on this site. Some inaccuracies may exist. For verification contact a certified REALTOR member or a participating Lender.

For more information about this and other homebuyer programs please contact one of the following:

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