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Maryland Grants

There are many grants available in this State to assist a home buyer purchase a home. By using these grants it makes it possible to purchase a home with little or no money down. 

Below is a list of some of the grants available, as well as contact information for each. Some are State sponsored grants. Some are sponsored on the county or municipality level. 

Understand that many of these grants have limited funding, and most have income restrictions, so it is important to work with your mortgage lender and the non profit administering the grant program to ensure availability of funds. 

State Sponsored
Bank Sponsored Matching Funds Programs
Community/local Sponsored Grants
Seller Funded Down Payment Assistance Programs

State Sponsored 

The State of Maryland offers several grants and soft seconds, to be used for down payment and closing costs. They also offer a matching grant program through their Community Partner Initiative Program (CPIP), where they will match a community sponsored grant of up to $5000. 

Below is a link to the State’s web site: 

The Down Payment and Settlement Expense Account is a soft 2nd of $3000, to be paid back at the sale of the home. 

This is a link to the State’s Down Payment Assistance grant, to be used with the State’s First Time Home Buyer Bond Mortgage Program:

This is a link to the CPIP matching grant program: 

Bank Sponsored Matching Funds Programs 

Banks that are members of the Federal Home Loan Banking system also offer IDA savings accounts. Visit the Regional Federal Home Loan Bank web site for more information.

Community/local Sponsored Grants

List of Participating Community Partners:

The following Community Partners have joined CDA's newest homeownership initiative, the Community Partners Incentive Program, a partnership program to help expand affordable homeownership opportunities through a creative match program with the State of Maryland. Contact the Community Partners to find out more information about their requirements for participation. 

Baltimore Housing Office of Homeownership
Michael Guye , Director
417 E. Fayette Street
Baltimore, MD 21202

Cathedral of Deliverance, Inc.
Samson A. Shupe , Vice President
PO Box 650Fruitland, MD 21826

City of Bowie
Jesse Buggs , Grant Administrator
2614 Kenhill Drive
Bowie, MD 20715

Comprehensive Housing Assistance, Inc.
Roz Goldman , Housing Services Assistant Director
5721 Park Heights Avenue
Baltimore, MD 21215
410-466-1990 Xt211 

Delta Challenge Homeownership Institute
Lorraine Bailey-Carter , Chair-Maryland, D.C.
PO Box 315Aberdeen, MD  21001
lorrainetherealtor@comcast.net   www.deltachallenge.com/MD_DC.html 

Frederick County Dept. of Housing
Karen Green , Loan and Rehab Coordinator
520 N. Market Street
Frederick, MD 21701

Hagerstown Neighborhood Development Partnership
Sharon Disque or Vicki Bender , Exec. Director or Finance Coordinator
21 E. Franklin Street
Hagerstown, MD 21740

Home Partnership, Inc.
Frank Holdgetts , President
626 Towne Center Drive
Joppatowne, MD  21085


Other down payment assistance programs not participating in the CPIP program: 

Annapolis Homeownership Gap Financing Program (GAP) 
(410) 269-1222 

Annapolis Homes for America Homeownership Closing Cost Program (HCC) 
(410) 269-1222 

Anne Arundel County Arundel Community Development Services Inc Mortgage Assistance Program (MAP) 
(410) 222-7600 

Baltimore Buying Into Baltimore Home Sale Program (BIB) 
(410) 396-4606 

Baltimore City Employee Homeownership Program 
(410) 396-3124 

Baltimore County Incentive Purchase Program (IPP) 
(410) 887-3803 

Baltimore Empowerment Zone Housing Venture Fund Program 
(410) 396-3124 

Baltimore Neighborhood Housing Services of Baltimore Inc Closing Cost Loan Program (CCLP) 
(410) 327-1200 

Charles County First Time Home Buyers Settlement Expense Loan Program (SELP) 
(301) 934-9305 

Cumberland Neighborhood Housing Services Closing Cost Grant (CCG) (301) 722-6958 

Rockville REACH Program (DAP) 
(301) 590-2014 

Seller Funded Down Payment Assistance Programs

There are several non profit organizations that allow a seller to “donate” funds to them at closing, which is then given to the buyer as a down payment assistance grant. Presently, the federal government is reviewing these programs to determine whether this practice is an acceptable lending practice. By using one of these programs it is possible to purchase a home with little or no money. The seller needs to be a motivated seller, and the home needs to be priced correctly. Usually the sales price is inflated to cover the “donation”. The home must be able to appraise at the inflated price. These programs are initiated by the lender, so it is important to work with a local lender before you start looking for a home. The lender will also know how present legislation is affecting the program. The two most commonly used programs are The American Dream DAP and The Nehemiah DAP. Below are links to their web site.

American Dream:  http://www.americandreamdownpaymentassistance.com/dpa_app.cfm

Nehemiah Corp: