5 Ways to Get Homebuyer Grants in Maryland (And How to Claim Yours Before Funds Run Out!)

Buying a home in Maryland is one of the biggest financial steps you’ll ever take. The good news? You don’t have to do it alone—and you don’t have to drain your savings account to make it happen.

There are multiple grant programs in Maryland that offer real money—we’re talking thousands of dollars—that can help cover your down payment, closing costs, and in some cases, even pay off student loans. These are funds that can literally be the difference between “someday” and “move-in day.”

But here’s the truth most people don’t realize: these funds are limited, competitive, and go quickly. Once they’re gone, they’re gone. That’s why acting now—and working with an expert who knows exactly where to look—is critical.

Let me break down the top five ways to secure these grants, and why calling me directly could save you more money than you thought possible.

1. Maryland SmartBuy & Statewide Grants

The Maryland SmartBuy Program is one of the most powerful tools available to homebuyers in the state. Imagine this: up to $25,000 in assistance, not only helping you purchase a home but also wiping out a chunk of your student loan debt at the same time.

This isn’t just a program—it’s a financial game-changer. By eliminating student debt, you qualify for better mortgage terms and can afford more home with less stress.

But SmartBuy isn’t the only program out there. Maryland periodically launches other statewide grant programs, each designed to help first-time buyers and qualified residents. The catch? They’re first-come, first-served. If you wait too long, you’ll miss out.

That’s why calling me early is the smartest move you can make. I’ll make sure your application is at the front of the line so you don’t lose your chance.

2. Employer-Sponsored Homebuyer Grants

Here’s something most people don’t know: your employer might want to help you buy a house. That’s right—Maryland’s hospitals, universities, and federal agencies often offer forgivable loans or outright grants to employees who live close to work.

It’s simple math for them. A shorter commute means happier employees, lower turnover, and stronger communities. For you, it means thousands of dollars in free money to get into a home.

If you’re working at places like Johns Hopkins, NIH, the University of Maryland, or one of the many federal employers in the DC area, chances are there’s money already on the table—you just need to know how to claim it.

And that’s exactly where I come in. I’ll help you find out what’s available through your employer and walk you through every step so you don’t miss a dollar.

3. County & Local Government Programs

It’s not just the state or employers that want to help—you’ll also find incredible opportunities at the county level.

Montgomery County offers thousands in down payment help to make housing more affordable.
Prince George’s County provides targeted programs to support first-time buyers and working families.
Frederick County has assistance tailored for local residents and essential workers.

The problem? Each county has different rules, deadlines, and paperwork. Miss one detail, and you risk losing the grant altogether.

This is why you need someone like me on your side. I know when new funding becomes available, what each county is offering, and exactly how to navigate the paperwork so you don’t get stuck.

4. National Nonprofit & Lender Grants

Beyond the state and county programs, you’ll find even more opportunities through national nonprofits and lenders. These groups often offer grants for:

First-time buyers
Veterans
Teachers
First responders
Essential community workers

These funds can help pay for your down payment or closing costs—and in most cases, you never have to pay them back.

But here’s the trick: you won’t always hear about these programs from your lender. That’s why working with me is essential. I’ll connect you directly to the right programs and make sure your lender applies them correctly so you don’t lose out.

5. Work With a Trusted Realtor & Lender

Let’s be real. You could take this list, start Googling, and spend the next three months trying to figure it out on your own. By then, the programs may already be out of money.

Or… you could call me.

When you do, here’s what you get:

Direct access to the latest grants before they run out
Help combining multiple programs for maximum benefit
A trusted team who handles the paperwork while you focus on finding your dream home

I don’t just show houses. I fight for every dollar you qualify for—and I don’t stop until you’ve secured the maximum benefit possible.

Q & A: Homebuyer Grants in Maryland

Q: Do I have to pay back homebuyer grants?

A: Most grants are true grants—you don’t have to pay them back. Some, however, may require you to live in the home for a certain number of years before the funds are forgiven. I’ll review each program with you so there are no surprises.

Q: How quickly do these funds run out?

A: Sometimes in just a few weeks. I’ve seen buyers lose out because they waited too long. That’s why it’s crucial to call me early—I’ll make sure you’re ready to apply before the window closes.

Q: Can I use more than one grant program at the same time?

A: Yes, in many cases programs can be stacked together. This could mean thousands more in your pocket at closing. This is where my experience really makes a difference—I’ll help you combine benefits the smart way.

Q: What if I don’t qualify for state programs?

A: Don’t worry—there are county programs, employer-based grants, and nonprofit options. Almost everyone qualifies for something. I’ll help you find the right fit for your situation.

Q: Why should I call Fernando Herboso instead of doing this myself?

A: Because this is what I do every single day. I stay on top of every update, every new funding cycle, and every detail that could help you save money. Working with me gives you a shortcut to success—and the peace of mind that nothing will fall through the cracks.

Final Thoughts

Maryland is full of opportunities for homebuyers. From SmartBuy’s $25,000 student loan assistance to employer-sponsored grants and local county programs, there is money out there waiting to be claimed.

But these funds are not endless. They are limited, competitive, and often gone before most buyers even hear about them.

Don’t leave free money on the table. Call me today and let’s put together a plan to claim every dollar available to you.

Fernando Herboso is a highly regarded real estate expert, specializing in the Montgomery County, Maryland area. As the managing broker for Samson Properties in the Gaithersburg "rio" office, Fernando brings a wealth of knowledge and experience to help guide you through the process of selling your rental properties.

With his deep understanding of the local market, Fernando can provide you with valuable insights and strategies to maximize the return on your investment. Whether you're a landlord with tenants in place or an absentee owner, Fernando is a reliable and trusted resource to help you navigate the complexities of the Montgomery County real estate market.

Connect with Fernando at 240-426-5754 or send email to Fernando@ReallyNiceHomes.com for personalized guidance and a hassle-free property sale experience.