Insights

Maryland down payment assistance, explained

Short, practical guides from Ami Desai on MMP eligibility, lender authorization, and stacking county-level assistance.

Sunlit Maryland neighborhood with colonial-style homes and a for-sale sign at golden hour

Maryland DPA Income Limits in 2026: Higher Than You Think

Most buyers assume they earn too much to qualify. In Baltimore, a household of four can earn up to $158,000 and still qualify for MMP assistance.

Ami DesaiMay 12, 2026

Stack of coins topped with a small house figurine and keys, with Maryland state flag in the background

Programs•8 min read

Stacking MMP With County DPA: How Buyers Get $15K+ in Assistance

MMP isn't the only down payment program in Maryland. When you stack it with county-level assistance, the combined benefit often exceeds $15,000.

Ami DesaiApr 28, 2026

Loan officer shaking hands with a smiling couple across a bright modern desk

Lender Choice•5 min read

Why Your Lender's MMP Authorization Actually Matters

Not every Maryland lender can originate MMP loans. If yours can't, you're locked out of the state's full down payment stack — even if you qualify on paper.

Ami DesaiApr 10, 2026

Young first-time homebuyer couple smiling in front of their new Maryland home at golden hour

First-Time Buyers•7 min read

5 First-Time Buyer Myths That Cost Maryland Families Thousands

From the 20% down payment myth to the credit score floor, here are the five misconceptions I hear most — and what the numbers actually say.

Ami DesaiMar 22, 2026