The Maryland Mortgage Program, run by the state housing department, offers 30-year fixed-rate loans through approved lenders, most with a second loan at 0% interest for your down payment: $6,000 or 3% to 6% of the main loan. You need income under your county's limit, a homebuyer class and no other home at closing.
7 min read
Montgomery County, Maryland's moderately priced dwelling unit (MPDU) program sets aside lower-priced apartments and homes in new buildings. To rent, you apply at each apartment building. To buy, you take three free classes, get a county certificate and enter random drawings, where points for living or working in the county move you up.
7 min read
In Baltimore, the Housing Authority of Baltimore City runs public housing and Section 8 vouchers, and opens its lists only now and then. Income-restricted buildings keep their own waitlists, so you can apply building by building whenever a building's list is open. For one person, the federal housing department's 2026 very low income limit here is $46,900.
5 min read
