Do I have to be a first-time buyer for MMP Flex 4% / 6%?

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

Is there an income limit?

Yes. The listed income limit is County-based.

What credit score does MMP Flex 4% / 6% list?

The listed minimum credit score is 640.

MMP Flex 4% / 6%

MMP Flex 4% / 6% is a 0% int deferred 2nd from MMP. Available statewide in Maryland. For first-time buyers. Income limit: County-based.

Amount varies by program

Listed as open as of May 2026

Available statewide in Maryland.

First-time buyer	Required
Income limit	County-based
Minimum credit score	640
Maximum DTI	50%
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
Sales price cap	Per county
Repayment	0% deferred
Stacking	Pairs with MMP first

Source MMP·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: MMP · program details at the provider’s site.

Check what you qualify for Ask Cal about your situation

See if MMP Flex 4% / 6% fits your purchase

Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.

More Maryland programs

FHLB Atlanta First-Time Homebuyer

Grant · Up to $15,000
MMP 1st Time Advantage

0% int deferred 2nd · Amount varies by program
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 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%