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Find similar grantsMaryland SmartBuy 3.0 is sponsored by Maryland Department of Housing and Community Development. Assists first-time homebuyers with student loan debt by offering up to $25,000 in student loan payoff assistance.
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Maryland SmartBuy Loan | Maryland Mortgage Program Buy a home and pay off your student debt Maryland SmartBuy (3. 0) helps you buy a home and pay off your student debt. The program is part of the Maryland Mortgage Program (MMP) and follows standard MMP guidelines.
You may be eligible if you: Have at least $1,000 in student loan debt Are a first-time homebuyer or a repeat homebuyer purchasing in a targeted area Buy a home and pay off your student debt in full at closing Get up to 15% of the home purchase price (maximum $25,000) to pay qualifying student debt (any amount over this limit is paid out of pocket) The student debt payoff portion is a 0% interest loan that is fully forgiven after 5 years if you stay in the home No monthly payment on the student debt assistance May be combined with some MMP down payment assistance (if eligible) To use Maryland SmartBuy loan, you must: Have a minimum student debt balance of $1,000 Pay off the full remaining student debt balance for at least one borrower at closing (if the debt exceeds the $25,000 limit, you must pay the difference out-of-pocket) Meet the minimum credit score of 720 Be a first-time homebuyer (unless buying in a Targeted Area) Complete an approved Homebuyer Education class Meet standard MMP eligibility requirements , including income limits, credit score and purchase price limits Meet all requirements from lenders, mortgage insurers, and any partner organizations providing funding Not own any other real property at time of closing Occupy the home as your primary residence Use an approved Maryland SmartBuy lender Down payment assistance (optional) You may be able to combine SmartBuy with one standard MMP down payment assistance option: $6,000 Assistance : A deferred, 0% interest loan you can use for your down payment and closing costs 6% Assistance : A deferred, 0% interest loan equal to 6% of your first mortgage is available only if your household income is at or below 50% of the Area Median Income (AMI) - PDF - 120.
14 KB Approved SmartBuy mortgage lenders Financing for the Maryland SmartBuy program is available only through SmartBuy-approved lenders. View Maryland SmartBuy Lenders
According to the current listing, eligibility includes: First-time homebuyers with a minimum remaining student loan balance of $1,000. Confirm the full requirements in the official notice before applying.
The current listing shows up to $25,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Maryland SmartBuy 3.0 is funded by Maryland Department of Housing and Community Development. Verify program details on the funder's official page before applying.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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