Who qualifies for MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA)?

First-time buyer, meaning no home owned in the past 3 years, with exceptions for targeted areas and honorably discharged veterans; Must meet MMP income, credit score, and purchase price limits; Cannot own any real property at closing; A homebuyer education class approved by HUD, Fannie Mae, or Freddie Mac is required before closing.

Where the reviewed rules apply

No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.

No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.

VerifiedFunding open at last check

MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA)

Maryland Department of Housing and Community Development

3–5% of the loan or $6,000

A first mortgage for first-time buyers with down payment assistance of 3–5% or $6,000.

Deferred 0% loan

Coverage not confirmed

Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.

How and when you repayThe assistance is a zero percent interest loan with no monthly payments. You repay it only when your first mortgage ends: when you sell, refinance, transfer, or pay off the home.

These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.

See possible fitCompare

Visit official program site ↗

Applications never run through HomeBase.

Who can apply

About you

A homebuyer education class approved by HUD, Fannie Mae, or Freddie Mac is required before closing

The home

First-time buyer, meaning no home owned in the past 3 years, with exceptions for targeted areas and honorably discharged veterans
Must meet MMP income, credit score, and purchase price limits
Cannot own any real property at closing

The program makes the final eligibility decision.

Full requirements, documents, and history

Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history

What can I combine this with?

Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.

Review possible combinations with MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA)(12 to check)

Worth asking about(12)

No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.

Baltimore First-Time Homebuyers Incentive ProgramBaltimore City Department of Housing and Community Development
For income-qualified first-time Baltimore buyers: 50% of the required down payment, possible gap funding to reduce principal, and an interest-rate buydown of up to 2.5%.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Can be used together, but the FTHIP 2.5% interest-rate-buydown component is unavailable to buyers receiving Maryland Mortgage Program funds; the down payment and gap-funding components are not subject to that stated exclusion. (Per Baltimore City Department of Housing and Community Development (FTHIP official page): "Buyers are not eligible for the 2.5% interest rate buydown if they are receiving funds from the Maryland Mortgage Program.")
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:mmp-1st-time-advantage-incl-6000-3-4-5-dpa+baltimore-first-time-homebuyers-incentive-program
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Baltimore First-Time Homebuyers Incentive Program.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Baltimore Vacants to Value BoosterBaltimore City Department of Housing and Community Development
$10,000 toward down payment and closing costs when buying an eligible Baltimore property connected to a long-standing Vacant Building Notice and rehabilitation pathway.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Per Baltimore City DHCD (Vacants to Value / B-HiP flyer): "The State of Maryland offers an array of homeownership incentives for home buyers using the Maryland Mortgage Program... These and other State incentives can be layered with City incentives."
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:mmp-1st-time-advantage-incl-6000-3-4-5-dpa+baltimore-vacants-to-value-booster
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Baltimore Vacants to Value Booster.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Buying Into BaltimoreBaltimore City Department of Housing and Community Development
$5,000 toward down payment and closing costs, awarded by lottery after an eligible buyer completes a Live Baltimore Trolley Tour and the required post-event purchase steps.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Buying Into Baltimore permits combining only to the extent the paired program allows it; buyer must use a fixed-rate mortgage within the FHA single-family limit. Maryland DHCD's MMP Partner Match separately treats Baltimore City Office of Homeownership incentives as eligible alongside MMP loans. (Per Live Baltimore / Baltimore City DHCD (Buying Into Baltimore Terms and Conditions): "Incentive funds may be combined with other programs (to the extent allowed by other programs).")
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:mmp-1st-time-advantage-incl-6000-3-4-5-dpa+buying-into-baltimore
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Buying Into Baltimore.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Maryland SmartBuy 3.0Maryland DHCD — Maryland Mortgage Program
Pays off up to $25,000 (15% of the price) of your student debt at closing, paired with a Maryland Mortgage Program first loan.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. SmartBuy 3.0 and 1st Time Advantage are separate MMP first mortgages, so a buyer takes one or the other; however, SmartBuy borrowers may add the standard MMP DPA second loan ($6,000 flat, or 6% if at/below 50% AMI), while Partner Match is excluded. (Per Maryland DHCD / CDA — SmartBuy 3.0 Fact Sheet (updated 06/1/2026): "Borrowers may also utilize standard Maryland Mortgage Program Down Payment Assistance loans with SmartBuy 3.0. Two DPA options are available: a flat $6,000 DPA loan or a DPA loan equal to 6% of the first mortgage amount.")
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:maryland-smartbuy-3-0+mmp-1st-time-advantage-incl-6000-3-4-5-dpa
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Maryland SmartBuy 3.0.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Affinity HomeAdvantage Cash RewardsAffinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Allegany County Habitat for Humanity HomeownershipAllegany County Habitat for Humanity
Allegany County households with inadequate housing and the ability to make mortgage payments may apply to purchase a Habitat home and complete 200 sweat-equity hours. The affiliate currently provides a downloadable application and mail-in intake route.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Allegany County Habitat for Humanity Homeownership.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alliant Advantage MortgageAlliant Credit Union
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Andrews Federal FHLB First-Time Homebuyer GrantAndrews Federal Credit Union through the Federal Home Loan Bank
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Annapolis MPDU Homeownership ProgramCity of Annapolis Office of Community Development
Qualified Annapolis residents and workers may obtain a certificate to compete for City-designated homes sold below the market price in participating developments.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Annapolis MPDU Homeownership Program.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Annapolis MPDU Settlement Expense Assistance ProgramCity of Annapolis
Need-based zero-interest loan up to $10,000 for an eligible MPDU purchase.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Annapolis MPDU Settlement Expense Assistance Program.

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Anne Arundel County Mortgage Assistance Program (MAP)Arundel Community Development Services
Up to $50,000 in 0% deferred assistance for down payment, settlement costs, or a mortgage write-down in Anne Arundel County.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Anne Arundel County Mortgage Assistance Program (MAP).

Can it be used on the same purchase as MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA) (Maryland Mortgage Program (Maryland DHCD))?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.

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