Maryland Mortgage Program Flex 6000

At a Glance

Loan for home purchase PLUS $6,000 down payment and closing cost assistance deferred loan

Who's Eligible?

Baltimore City homebuyers who meet income and other program requirements

To Get Started

Complete homeownership counseling and contact a Maryland Mortgage Program-approved lender

The Maryland Mortgage Program (MMP) helps homebuyers in Maryland achieve their dream of homeownership through a range of programs that make purchasing and owning a home more affordable. MMP home loans are 30-year fixed-rate loans available as either Government or Conventional insured loans. Flex loans allow buyers to benefit from the Maryland HomeCredit program. The Flex 6000 loan comes with a $6,000 loan for down payment and closing costs, structured as a 0% interest deferred second lien.


This program allows you to borrow money to buy your home and reduces the amount of money you’ll need up-front to buy your home.


  • You must earn a homeownership counseling certificate before closing on your home.
  • You may not own other properties at the time of closing.
  • You must live in this home as your primary residence.
  • You must use a Maryland Mortgage Program-approved lender.
  • Your mortgage amount cannot exceed Maryland Mortgage Program limits.
  • Not limited to first-time homebuyers
  • Household income cannot exceed Maryland Mortgage Program limits
  • MMP Partner Match programs (Community Partners, House Keys 4 Employees) can be used with Flex 6000 loans.


Maryland Department of Housing and Community Development, Maryland Mortgage Program

We're here to help.

Have more questions about this or other Baltimore City homeownership incentives? We're here to help! Send us an email or give us a call at (410) 637-3750. A Live Baltimore team member can walk you through your options.
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