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1st Time Advantage 6000 (Maryland Mortgage Program) is sponsored by Maryland Department of Housing and Community Development (DHCD). A $6,000 loan for down payment and closing costs with a 0% interest rate and no payments for the life of the first mortgage. This loan is eligible for Partner Match funds.
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MMP 1st Time Advantage | Maryland Mortgage Program 1st Time Advantage loans are designed to offer eligible first-time homebuyers the lowest 30-year fixed interest rate available for Maryland Mortgage Program loans. The Maryland HomeCredit Program (mortgage credit certificates) may not be layered with this line of products. This product is available for first-time homebuyers.
You may also qualify if one of the following exceptions applies: It has been more than three years since you owned a principal residence. You are buying a home in a targeted area and will sell your current home before closing on the new property. Check Eligibility for more information on targeted areas.
You are an honorably discharged veteran who has not previously used the first-time homebuyer exemption. This is in accordance with the Heroes Earnings Assistance and Relief Tax Act of 2008, as amended. A DD-214 form must be submitted to document veteran status, and a Veteran First Time Homebuyer Exemption form (Attachment V) must be completed.
Our most competitive interest rates. Most products come with a zero percent, deferred loan for down payment assistance (DPA). The 1st Time Advantage line includes: 1st Time Advantage Direct No down payment assistance (DPA) available, but usually offers our most competitive interest rates.
External sources of DPA may be used. Comes with a $6,000 loan for down payment and closing costs. This second lien has a zero percent interest rate, and no payments are due for the life of the first mortgage.
As soon as the first mortgage ends (repayment, refinance, transfer, sale, etc.), the second lien is due and payable. The 6000 line is eligible for additional down payment assistance through the Partner Match Program , if applicable. 1st Time Advantage 3% Loan Comes with a DPA loan equal to 3% of the first mortgage in a zero percent deferred second lien.
1st Time Advantage 4% Loan Comes with a DPA loan equal to 4% of the first mortgage in a zero percent deferred second lien. 1st Time Advantage 5% Loan Comes with a DPA loan equal to 5% of the first mortgage in a zero percent deferred second lien. For borrowers with income at or below 50% AMI.
Comes with a 0% interest, 30 year deferred DPA loan equal to 6% of the MMP total loan amount (first lien). See HomeStart Factsheet - PDF - 297. 72 KB .
Be a first-time homebuyer or meet one of the exceptions (listed under "Who can apply"). Complete an approved Homebuyer Education class. Meet standard MMP eligibility requirements, including income limits, credit score and purchase price limits ( Check Eligibility ).
For the HomeStart, your household income must be at or below 50% Area Median Income (AMI) - PDF - 120. 14 KB . To learn more, talk to one of our state-approved mortgage lenders who can help you get pre-qualified for an MMP loan.
State-approved mortgage lenders
According to the current listing, eligibility includes: Borrowers must meet the eligibility requirements for the Maryland Mortgage Program's 1st Time Advantage mortgage. Confirm the full requirements in the official notice before applying.
The current listing shows $6,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
1st Time Advantage 6000 (Maryland Mortgage Program) is funded by Maryland Department of Housing and Community Development (DHCD). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Maryland. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Homeowner Assistance Fund (HAF) WholeHome Critical Home Repairs Grant is sponsored by Maryland Department of Housing and Community Development (DHCD). This program provides grants to eligible Maryland homeowners to cover critical home repairs that could prevent displacement. It is part of the broader Homeowner Assistance Fund, which supports homeowners facing financial hardship due to the COVID-19 pandemic.
State Revitalization Programs (Community Legacy, Strategic Demolition Fund, Baltimore Regional Neighborhood Initiative, National Capital Strategic Economic Development Program, SEED Community Development Anchor Institution Program) is sponsored by Maryland Department of Housing and Community Development (DHCD). State Revitalization Programs (Community Legacy, Strategic Demolition Fund, Baltimore Regional Neighborhood Initiative, National Capital Strategic Economic Development Program, SEED Community Development Anchor Institution Program) is sponsored by Maryland Department of Housing …
Lowe's Hometowns Grant Program is sponsored by Lowe's. This program aims to restore and revitalize community spaces across the country through physical renovations. Consumers can nominate a community space in their hometown, such as a neighborhood garden, park, or community center. While broad, it can apply to infrastructure improvements within a community context.
CFNF Helping Today, Shaping Tomorrow Grant is a grant from the Community Foundation of North Florida that funds nonprofits addressing pressing challenges with programs and services of lasting impact in Florida's Big Bend region. Each year, CFNF awards ten grants of $5,000 each to eligible organizations. A separate Arts Nonprofit Grant Cycle awards five grants of $6,000 each for arts organizations in the same region. Eligible applicants must be 501(c)(3) organizations serving one or more of eleven counties including Leon, Gadsden, Jefferson, and Wakulla, with at least two years of operating history in the region. Applications for the Helping Today, Shaping Tomorrow cycle close September 30.
The Citi Foundation's 2026 Housing Supply RFP puts $20M behind 20 nonprofit housing developers at $1M each — targeting pre-development and preservation, the exact points where affordable projects die. It sits inside Citi's $60B Blueprint for Housing Opportunity. Here's what the grant design reveals and how nonprofit developers should position for the next cycle.
Read articleHopkins expanded its Pivot and Bridge program from $12.5M to $60M annually, raised the per-award cap to $250K, and dropped the divisional match requirement. Maryland chipped in $8.5M. The structure tells you where private bridge-funding is heading.
Read articleOn June 1, Maryland's Department of Housing and Community Development announced $73.3 million in FY2027 awards across six State Revitalization Programs supporting 247 projects in disinvested communities. $50.7 million — 69% of the total — went to Just Communities, geographic areas the state has designated for equity-focused investment. Another $18.6 million went to ENOUGH-eligible census tracts where childhood poverty is concentrated. The new round opens June 22 with an August 6 deadline. The Maryland model establishes a state-led framework for equity-targeted funding that operates outside the federal DEI restrictions the OMB Uniform Guidance rewrite will impose on federal grants beginning October 1, 2026.
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