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Find similar grantsMontgomery County Homeownership Program is sponsored by Maryland Department of Housing and Community Development. Offers zero-interest deferred down payment assistance loans to eligible homebuyers in Montgomery County.
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Montgomery County Specialty Products | Maryland Mortgage Program Montgomery County Specialty Products The Montgomery Homeownership Program and the Montgomery Employee Down Payment Assistance Loan (MEDPAL) are initiatives of the Maryland Mortgage Program (MMP) in partnership with Montgomery County, providing down payment and closing cost assistance loans to help eligible homebuyers purchasing in Montgomery County.
Talk to your loan officer to see if you're eligible! NOTE: All MMP products must meet the published MMP household income limits, but MEDPAL borrowers must also meet the Workforce Housing Income Limits found at the bottom of the Montgomery County page . May be used by any MMP-eligible borrower purchasing in Montgomery County.
MMP first mortgage comes with a second mortgage of a maximum amount of $50,000 for down payment and closing cost assistance (not exceeding 40% of the household income of the respective borrower(s)). Any funds not needed for the down payment or closing costs will be applied to principal curtailment (no cash-out).
Second mortgage has a zero percent interest rate and repayment is deferred until sale, refinance, transfer, or 30 years, whichever happens first. The minimum down payment is set by the insurer, and the second mortgage funds can be used for the borrower contribution. MHP Fact Sheet - PDF - 199.
07 KB About the Montgomery Employee Down Payment Assistance Loan (MEDPAL) May be used by approved Montgomery County employees (see fact sheet) purchasing in Montgomery County. MMP first mortgage comes with a second mortgage of $50,000. Any funds not needed for down payment or closing costs will be applied to principal curtailment.
Second mortgage has a zero percent interest rate. It must be repaid if the property is sold or transferred or refinanced. At the end of 30 years, the loan is forgiven if not already paid off.
The minimum down payment is set by the insurer, and the borrower must provide at least 1% of the purchase price with their own funds in addition to the second mortgage. MEDPAL Fact Sheet - PDF - 207.
01 KB If you're ready to move forward on your home purchase: Talk to a lender - Your lender will confirm your eligibility for the Montgomery products and the Maryland Mortgage Program overall and will make sure you meet all the requirements, such as attending the right Homebuyer Education Class. Lenders will review factors such as your income, credit history and employment situation when considering your application.
Complete a homebuyer education class - Completing a Homebuyer Education class prepares you to make the right decisions when purchasing your home. Homebuyer Education classes are available throughout Maryland and online. Homebuyer education must be completed by all borrowers.
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According to the current listing, eligibility includes: Homebuyers in Montgomery County meeting income and credit requirements. Confirm the full requirements in the official notice before applying.
The current listing shows up to 40% of household income, up to $50,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Montgomery County Homeownership Program 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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