Maryland SmartBuy Program

Maryland DHCD / CDA

Available Home Repair

About This Program

Maryland SmartBuy Program is available in Baltimore, MD.

Helps Maryland homebuyers with student loan debt by providing up to $30,000 to pay off outstanding student loans at closing. Combined with competitive mortgage rates through the Maryland Mortgage Program.

Must pay off entire remaining student loan balance at closing (up to $30,000)

Verified against Maryland DHCD / CDA's official page on 2026-06-17.

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

  • Up to $30,000 to pay off student loans at closing
  • Must fully pay off remaining student loan balance
  • Combined with Maryland Mortgage Program rates
  • Available for homes purchased in Maryland
  • Income and purchase price limits apply

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, subject to funding

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can Maryland SmartBuy Program provide in Baltimore, MD?

Up to $25,000.

How do I apply for Maryland SmartBuy Program 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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