DMV Homebuyer & Down Payment Assistance Guide
Looking to buy a home in the D.C., Maryland, or Virginia area—but not sure how to cover the down payment or closing costs?
Good news: there are a number of local, state, and national programs that can help you secure funding—even if you’ve been denied elsewhere.
Below is a curated list of programs that may support you based on where you’re buying, your income, or your current situation. This guide keeps it simple—because the homebuying journey should feel possible.
🏙️ Baltimore City - Buy Back the Block ($15,000 Grant)
This Baltimore City initiative offers up to $15,000 in down payment and closing cost assistance to homebuyers who purchase in specific areas of the city. Applicants typically must complete a homebuyer education course and meet income requirements. Ideal for first-time buyers or buyers committed to revitalizing the city.
🌳 Howard County Down Payment Assistance
Howard County offers multiple down payment assistance options for eligible buyers. These may include grants or deferred loans, usually requiring buyers to live in the property for a certain number of years. Applicants must meet income and purchase price limits. Housing counseling and education are often required.
🏡 Empower Maryland Program
Empower helps income-eligible homebuyers with financial assistance to reduce upfront costs. It focuses on energy efficiency and affordability. If you're purchasing in Maryland and meet certain income and energy use qualifications, this program may assist with grants or reduced loan costs.
🏠 Chenoa Fund Program
The Chenoa Fund is a nationwide down payment assistance program that partners with FHA loans. It helps buyers who may not qualify for local assistance due to credit or income limitations. Chenoa offers repayable and forgivable loan options—even for those with lower credit scores. This is a strong option when others say no.
🏠 Pathway to Purchase Program
Provides up to $50,000 in down payment and closing cost assistance for eligible first-time homebuyers purchasing in Prince George’s County. When combined with certain Maryland Mortgage Program products, eligible buyers may receive up to $58,500 in total assistance.
Not sure which program fits your situation? That’s exactly what I’m here for!
My role isn’t to sell you a home — it’s to help you get financially prepared to buy one.
Whether you're rebuilding your credit, working through student loans, or unsure where to start, I’ll help you understand your options and create a financial plan that supports your goals.
👉 Schedule a free consultation to explore the steps that get you closer to financial readiness — with clarity and confidence.
Program availability, funding, eligibility requirements, and assistance amounts are subject to change. Contact the appropriate program administrator or an approved lender to confirm current requirements and availability before making financial decisions.