Maryland Smart Buy Program «PLUS — 2026»

This latest version allows you to purchase any home in Maryland that meets MMP guidelines.

The program requires that your full remaining student debt balance be paid off at closing. If your debt exceeds the program's cap, you must pay the difference out-of-pocket. Key Qualifications maryland smart buy program

Most participants must be first-time homebuyers, though exceptions exist for certain "Targeted Areas". This latest version allows you to purchase any

Typically requires a minimum credit score of 640 to 720 , depending on the specific loan product. depending on the specific loan product.