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Maryland Mortgage Program - Baltimore Metro (Targeted)
MD Dept. of Housing & Community Development (DHCD)
Maryland Mortgage Program - Baltimore Metro (Targeted) is a
low-interest, fixed-rate mortgage financing program available though certified lenders with 30-year term. 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.
Properties in specified areas of Harford, Anne Arundel, Baltimore counties and in all of Baltimore City
Property Eligibility Requirements
You do NOT need to be a first-time homebuyer IF the property is located in a targeted area. The maximum sales price can be up to $525,091 in targeted areas, including 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 $
525091 (in targeted areas).
Allowable property types:
Existing single family, new construction (in a designated Priority Funding Area), townhouses, detached or semi-detached homes; condominium units, modular or manufactured homes (with state-approved code compliance)
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 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.)
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