Maryland Down Payment Assistance + VA Loan (Fort Meade & Andrews)
A VA loan gets Maryland veterans in with zero down. Pair it with the Maryland Mortgage Program and the DPA covers closing costs. For the state's military community, it is a strong cash-saving stack.
Why the VA pairing is different
A VA loan is the best financing most veterans will ever get: zero down, no monthly mortgage insurance, strong terms. So pairing it with the Maryland Mortgage Program is not about covering a down payment, a VA loan has none. Instead the DPA covers closing costs and prepaid items, the cash a VA buyer still brings. Because the DPA is a zero-percent deferred second, it adds no monthly payment. For a military family near one of Maryland’s bases, that can mean buying now instead of saving another year.
Flex keeps the door open for veterans
Here is a key point for Maryland veterans. Service members often owned a home during a prior assignment, which would disqualify them from a first-time-only program. Maryland’s Flex line removes that barrier, so a veteran who has owned before still qualifies for the same DPA menu. Stack a zero-down VA loan with a Maryland Mortgage Program DPA covering closing costs, and a veteran can buy with very little cash. See the Flex page.
Maryland’s military communities
Maryland has a substantial military and federal footprint. Fort Meade and the NSA anchor Anne Arundel County, Joint Base Andrews sits in Prince George’s County, NAS Patuxent River is on the southern shore, and Aberdeen Proving Ground is northeast of Baltimore. Around each, a VA loan plus the Maryland Mortgage Program is one of the strongest cash-saving stacks available. The Anne Arundel page covers the Fort Meade market, and Prince George’s covers Joint Base Andrews.
MMP facts verified August 2026 (Maryland Mortgage Program). VA loan details per the U.S. Department of Veterans Affairs. This is not a commitment to lend. Related: DPA + FHA.
Common questions
Can you combine a VA loan with Maryland down payment assistance?
Yes. A VA loan requires no down payment for eligible veterans, so the Maryland Mortgage Program DPA covers closing costs and prepaid items instead. It is a 0% deferred second with no monthly payment, and repeat-buyer veterans qualify through the Flex line.
Is there down payment help for Fort Meade or Andrews military families?
Yes. Pairing a VA loan with the Maryland Mortgage Program lets the DPA cover closing costs on a zero-down purchase, a strong fit near Fort Meade, Joint Base Andrews, NAS Patuxent River, and Aberdeen Proving Ground. Veterans who have owned before qualify via Flex.
Do veterans have to be first-time buyers in Maryland?
No. Maryland's Flex line serves repeat buyers, so a veteran who owned a home during a prior assignment can still use the DPA menu. A VA loan plus MMP DPA covering closing costs is a strong stack.
Serve in Maryland? See your VA + DPA options
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