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Maryland Mortgage Program - Baltimore Metro (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 - Baltimore Metro (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 CDA single-family mortgage products. All of Maryland - different limits for incomes and maximum purchase prices are applicable in different locations.

Who is eligible for this program?

You MUST be a first-time homebuyer in most areas of Anne Arundel, Harford and Baltimore counties and in all locations in Howard, Carroll and Queen Anne's counties. Must meet income qualifications and purchase price limits. The maximum income limit is $98,640 for households with 1-2 persons and $115,080 for households with 3 or more persons.

Up to 100% of the sales price may be financed depending upon mortgage insurance selected.
Maximum % of Sales Price: 96.5%
HUD Median Income Limits: 100
Household Income Limit: $ 115080
Is this program for first time buyers only? Yes

Property Eligibility Requirements

You MUST be a first-time homebuyer if the property is located in Howard, Carroll and Queen Anne's counties and parts of Anne Arundel, Harford and Baltimore counties. Locations that are NOT restricted to first-time buyers include: all of Baltimore City, ONLY Census Tract 7401.05 in Anne Arundel County and ONLY East Towson, Oella, West Catonsville and Census Tracts 4016.02, 4508.00, 4213.00, 4906.05, 4505.04 and 4914.01 in Baltimore County and only Census Tract 3029.01 in Harford County.

The sales price cannot exceed $ 429,620.

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 a 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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