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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.
Community Investment Tax Credit Program (CITC) is a grant from the Maryland Department of Housing and Community Development that provides state tax credit allocations to 501(c)(3) nonprofits, enabling them to attract private donations from individuals and businesses. Donors contributing $500 or more to approved projects receive tax credits equal to 50% of their contribution. The program has leveraged nearly $27 million in charitable contributions to approximately 700 projects statewide. Eligible project areas include education, housing, job training, arts and culture, economic development, and services for at-risk populations. Projects must be located in or serve residents of Maryland's Priority Funding Areas. The application period is typically held annually.
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.
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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