Maryland 1st Time Advantage 3% Down Payment Assistance (DPA)

Highlights & Terms

  • Allows second lien of 3% of the first lien to be used towards down payment and closing costs
  • Second lien includes 0% interest rate
  • If 3% exceeds the down payment and closing cost needs, funds may be used to reduce the loan principal
  • Available for first-time homebuyers

Guidelines & Consideration

  • May not be combined with other DPA or Partner Match programs but can be layered with assistance funds from external sources
  • Household income limits apply
  • Primary residences only
  • Homebuyer education course required


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