What is the Maryland Mortgage Program (MMP)?

MMP at mmp.maryland.gov is Maryland's state mortgage program, offering first mortgage loans and DPA including Partner Match for qualifying Maryland buyers.

What is MMP's Partner Match program?

Partner Match provides DPA matching contributions from employers or community partners — a distinctive incentive not available in most states. Ask your employer if they participate.

Are DC suburb counties high-cost loan areas?

Yes — Montgomery, Prince George's, Howard, and Anne Arundel counties qualify for FHFA high-balance conforming loan limits. Check current limits at fhfa.gov.

Do I need to be a first-time buyer for MMP?

Most MMP programs require first-time buyer status. Some programs (like House Keys 4 Employees) may have different eligibility. Verify at mmp.maryland.gov.

Where can I find a HUD counselor in Maryland?

HUD lists approved housing counselors at hud.gov/states/maryland.

Mortgages in Maryland

Maryland is a high-cost state driven by the DC suburbs (Montgomery, Prince George's, Howard counties). Baltimore City and the Baltimore–Annapolis corridor offer more accessible prices. The Eastern Shore offers rural affordability. Many DC-corridor counties exceed baseline FHFA conforming limits.

More Maryland guides

Personal Loans in Maryland Auto Insurance in Maryland Homeowners Insurance in Maryland Renters Insurance in Maryland Auto Loans in Maryland Student Loans in Maryland Life Insurance in Maryland High-Yield Savings in Maryland

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