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MMP HomeStart

Quick answer

MMP HomeStart is a Maryland down payment assistance program from Maryland Department of Housing and Community Development. It provides 0% interest, 30-year deferred loan equal to 6% of the MMP first-lien loan amount as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Who qualifies for MMP HomeStart?

For borrowers with income at or below 50% of area median income using an MMP first mortgage.

DetailProgram terms
Assistance0% interest, 30-year deferred loan equal to 6% of the MMP first-lien loan amount
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limitsFor borrowers with income at or below 50% AMI.

How does MMP HomeStart work with an FHA loan?

Maryland's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage. Programs can pause when funds run out, so confirm availability with a participating lender.

“Comes with a 0% interest, 30 year deferred DPA loan equal to 6% of the MMP total loan amount (first lien).” — Maryland Department of Housing and Community Development

← All Maryland down payment assistance programs

Frequently asked questions

0% interest, 30-year deferred loan equal to 6% of the MMP first-lien loan amount, according to Maryland Department of Housing and Community Development.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

For borrowers with income at or below 50% AMI.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.