Maryland Mortgage Program Smart Keys 4 Employees

At a Glance

Up to $1,000 down payment and closing cost assistance, 0% interest 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 Morgage Program-approved lender

Partner Match Programs offer additional down payment and/or closing cost assistance for qualified borrowers utilizing a Maryland Mortgage Program (MMP) loan. The Smart Keys 4 Employees program provides $1,000 in the form of a 0% deferred loan which is repayable when the home is sold or transferred, or when the first mortgage is paid off or refinanced. Smart Keys 4 Employees is only available as an add-on program for buyers using House Keys 4 Employees.


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


  • Homebuyers who are using House Keys 4 Employees may also be eligible for Smart Keys 4 Employees if the property is located within Baltimore City.


MMP Program Fact Sheet


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.
Contact Us