Program Search

Show All Programs

Number in household:
For first time buyers only?:
Annual Income:

Area(s) selected:
Program(s) selected:


Smart Keys 4 Employees
MD Dept. of Housing & Community Development (DHCD)


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

Select State

Program Overview

Smart Keys 4 Employees is a is a special enhancement to House Keys 4 Employees and the Maryland Mortgage Program that may be used for either downpayment or closing cost assistance. All home purchases in Maryland are eligible provided that an employer is contributing toward the purchase and that the borrower is financing with a loan through the Maryland Mortgage Program (MMP).

Property Eligibility Requirements

The property the borrower is purchasing must be located in a Priority Funding Area; AND, must be within 10 miles of the borrower’s place of employment or within the boundaries of the local jurisdiction (county).

Allowable property types: All eligible MMP properties within maximum price limits depending upon the jurisdiction

Benefit Details

Additional match for employer's funds up to $1,000.

Benefit: Matching funds up to $1,000 in addition to employers contribution.
Loan Term:30 years
Homebuyer Counseling /
Education Required:
Owner Occupancy Required:Yes
Other Program Comments:Maximum income and purchase price limits vary by jurisdiction. Employers are required to enroll in the program and present a Verification of Partner Contribution form to the lender.

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:

Workforce Housing Certified REALTOR®


Find a participating Lender