Down payments commonly range from 3% to 20%, depending on your loan type. Maryland and DC offer several programs that can reduce the upfront amount—including grants and down‑payment assistance.
Maryland offers strong options like the Maryland Mortgage Program (MMP), down‑payment assistance, tax credits, and county‑specific buyer incentives. These programs can lower upfront costs and monthly payments.
Washington, DC offers some of the most generous down payment and closing cost assistance programs in the country, primarily through HPAP and DC Open Doors. These programs aim to help first-time buyers—especially low‑ to moderate‑income households—afford the upfront costs of homeownership.