Montgomery County Down Payment Assistance (Maryland Mortgage Program)
Montgomery County is one of Maryland's most expensive markets, so the Maryland Mortgage Program's larger DPA options matter here. Here is how the menu, Flex, and Partner Match work across the county.
How the Maryland Mortgage Program works in Montgomery County
Montgomery County, Bethesda, Rockville, Silver Spring, Gaithersburg, Germantown, is among the priciest markets in Maryland, and that is where the program’s larger DPA options earn their keep. You can take 3%, 4%, or 5% of the loan, a flat $6,000, or 6% through HomeStart. In a high-cost county, the 5% option covers more of a bigger down payment, and Montgomery County’s local programs can layer on through Partner Match. Every option is a zero-percent deferred second, and a 640 credit score qualifies. Income limits run higher here, so more households qualify than the prices suggest.
Buying across Montgomery County
The county is large and varied. The upcounty, Germantown, Clarksburg, Damascus, and Montgomery Village, tends to hold the most homes within reach, while Bethesda, Chevy Chase, and Potomac run highest. Silver Spring, Wheaton, and Gaithersburg sit in between with condos and townhomes that fit many buyers. Because Montgomery is a Metro-connected DC suburb, condos near the Red Line are a common first-time-buyer entry point, and MMP works on all of them within the county limits.
The 5% option and Partner Match in a high-cost market
In an expensive county, the size of the help is everything. The 5% DPA is the largest percentage option, and Montgomery County runs its own homeownership assistance that can layer on through MMP’s Partner Match, matching approved outside funds. Stack a 5% MMP DPA with a county program and a Partner Match, and a Montgomery County buyer can close a gap that would be impossible on savings alone. We map the layering. See the Partner Match page.
The Maryland Mortgage Program sets income and sales-price limits by jurisdiction and household size, and publishes the current figures on the Maryland Mortgage Program. Confirm your county limits before relying on one. See our eligibility page.
Common questions
How much down payment assistance can I get in Montgomery County?
Through the Maryland Mortgage Program you choose 3%, 4%, or 5% of the loan, a flat $6,000, or 6% (HomeStart). In high-cost Montgomery County the 5% option helps most, and county programs can layer on through Partner Match. All are 0% deferred seconds.
Do I earn too much for down payment assistance in Montgomery County?
Maybe not. Maryland Mortgage Program income limits are set by jurisdiction, and Montgomery County's run higher than most of the state, so many households still qualify. Check your county's current limit at the Maryland Mortgage Program.
Can I combine Montgomery County assistance with the state program?
Often yes, through MMP's Partner Match, which matches approved outside down payment help. That lets a buyer layer a county program on top of the state DPA. A lender confirms what stacks for your purchase.
Ready to see your options?
Tell us your county, credit range, and price target, and we’ll map your Maryland path in a no-pressure 20-minute call. No obligation.