Maryland Housing Finance Authority
Maryland HomeCredit Step Forward Down Payment Assistance is available to homeowners in Hagerstown, MD.
Down payment and closing cost assistance for eligible first-time homebuyers in Maryland. Forgivable second mortgage up to $15,000 or 6% of purchase price. Forgiven over 15 years of owner-occupancy. Must be used with MHFA first mortgage.
Forgivable loan for down payment/closing costs, forgiven over 15 years
Official program page checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Hagerstown, MD, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Hagerstown, MD can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
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: Year-round program subject to funding
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $15,000 forgivable loan.
Maryland HomeCredit Step Forward Down Payment Assistance is open to homeowners in Hagerstown, MD.
Apply directly with Maryland Housing Finance Authority using the official program link on this page or call (800) 638-7781. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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