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Maryland Mortgage Program - Other Counties
MD Dept. of Housing & Community Development (DHCD)


Tonna Phelps
Community Development Administration 100 Community Place
Crownsville Maryland 21032

Program Overview

Maryland Mortgage Program - Other Counties is a low-interest, fixed-rate mortgage financing program available though certified lenders with 30-year terms. 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.

Property Eligibility Requirements

You do NOT need to be a first-time homebuyer if the property is located in a targeted area. Targeted areas include: all of Allegany, Caroline, Dorchester, Garrett, Kent and Somerset counties. The maximum sales price is $289,470 in Allegany, Caroline and Dorchester counties; $359,798 in Kent County, $467,232 in Garrett County and $351,092 in Somerset County.

The sales price cannot exceed $ 289,470 in Allegany, Caroline and Dorchester counties; $359,798 in Kent County, $467,232 in Garrett County and $351,092 in Somerset 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 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´┐Żs 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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