Do I have to be a first-time buyer for MMP 1st Time Advantage?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is $131,700-$229,460+ by county.

What credit score does MMP 1st Time Advantage list?

The listed minimum credit score is 640.

MMP 1st Time Advantage

MMP 1st Time Advantage is a 0% int deferred 2nd from Maryland Mortgage Program / DHCD. Available statewide in Maryland. For first-time buyers. Income limit: $131,700-$229,460+ by county.

Amount varies by program

Listed as open as of May 2026

Available statewide in Maryland.

First-time buyer	Required
Income limit	$131,700-$229,460+ by county
Minimum credit score	640
Maximum DTI	45%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide MD
Property types	1-4 family, condo
Occupancy	Owner-occupied primary
Eligible loan products	FHA/Conv/VA/USDA
Sales price cap	County-based
Repayment	0% deferred
Stacking	Stacks with Partner Match, MCC

Source Maryland Mortgage Program / DHCD·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Maryland Mortgage Program / DHCD · program details at the provider’s site.

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More Maryland programs

FHLB Atlanta First-Time Homebuyer

Grant · Up to $15,000
MMP HomeAbility

0% int deferred 2nd · Up to $45,000
MMP SmartBuy 3.0

5-yr forgivable for student debt · Up to $20,000
MMP Flex 4% / 6%

0% int deferred 2nd · Amount varies by program
MMP Partner Match

1:1 match with employer/builder · Up to $2,500
MMP 1st Time Advantage DPA (3%/4%/5%/6000)

deferred_loan · Up to $6,000 or Up to 5%
MMP Flex Loans (5000/6000/3%/4%/5%)

deferred_loan · Up to $6,000 or Up to 5%
Maryland SmartBuy 3.0

forgivable_loan · Up to $30,000 or Up to 15%