Maryland Mortgage Program (MMP)

Maryland DHCD / CDA

Available Home Repair

About This Program

Maryland Mortgage Program (MMP) is available in Baltimore, MD.

State program offering below-market mortgage rates and down payment assistance of up to $20,000 for qualifying Maryland homebuyers. Available through participating lenders statewide with income and purchase price limits.

Down payment assistance as 0% deferred loan; repaid at sale or refinance

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Baltimore, MD, you can combine this program with other local help to cut your cost:

Key Details

  • Below-market interest rate mortgages through participating lenders
  • Up to $20,000 in down payment and closing cost assistance
  • Available for first-time and repeat homebuyers
  • Income and purchase price limits apply by county
  • FHA 203(k) Limited option available for homes needing repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

800-638-7781

A grant-savvy contractor in Baltimore, MD can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Baltimore early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Maryland Mortgage Program (MMP) provide in Baltimore, MD?

Up to $20,000 down payment assistance.

How do I apply for Maryland Mortgage Program (MMP) in Baltimore, MD?

Apply directly with Maryland DHCD / CDA using the official program link on this page or call 800-638-7781. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Baltimore, MD contractors

Find More Programs in Baltimore, MD

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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