Now open: Applications began Sept. 4, 2026 with $50 million in first-mortgage funding.Check your eligibility →

Maryland First HomesFor teachers & first responders

Maryland First Homes · Eligibility check

See if you qualify for the 5%

Six quick questions. We'll show how you line up against the program rules, and a loan officer who offers First Homes will follow up with your real numbers.

Find out if your job and county qualify
See your county's income and price limits
Get a plan to reserve your loan while funding lasts

No credit pull. No cost. No obligation.

Step 1 of 6

What is your job?

Classroom teacherState-certified, pre-K–12

School counselorState-certified, pre-K–12

Police officerCommissioned, active

FirefighterCareer

Volunteer firefighter12+ months documented

EMT or paramedicCertified

9-1-1 specialistDispatch / communications

Rescue squad or State Fire MarshalMember or sworn

Something elseOther school or public safety role

Step 2 of 6

Where do you work?

Full-time for a Maryland employer

I have a signed job offer in MarylandMoving here for the position

Part-time

My spouse or co-borrower has the eligible job

Step 3 of 6

Have you owned a home in the last 3 years?

No, I've never owned a home

Not in more than 3 years

Yes, I own now or did within 3 years

Step 4 of 6

Where are you buying, and who's in your household?

County where you plan to buy

People in the household

Total household income (yearly)

Count everyone 18 or older who will live in the home, even if they won't be on the loan.

Step 5 of 6

A little about your plans

Estimated credit score

When do you want to buy?

Are you working with a real estate agent?

Step 6 of 6

Where should we send your results?

First name

Last name

Mobile phone

By checking this box and clicking "See my results," I agree that Maryland First Homes and up to three mortgage lenders that offer the First Homes program may contact me about my home purchase at the phone number and email above, including by calls and text messages sent with automated technology or prerecorded voice. Consent is not a condition of any purchase. Message and data rates may apply; reply STOP to opt out. I agree to the Privacy Policy.

Your preliminary results

Thanks, you look like a strong fit

A loan officer who offers the First Homes program will reach out within one business day to confirm your numbers and next steps. In the meantime, you can start your homebuyer education class; every borrower needs one before closing.

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Back to the program

Your information is sent over an encrypted connection and shared with no more than three lenders.

Maryland First Homes

An independent guide to Maryland's First Homes for First Responders and Teachers program, connecting eligible buyers with lenders who offer it.

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Maryland First Homes is not a government agency and is not affiliated with, endorsed by, or acting on behalf of the Maryland Department of Housing and Community Development (DHCD), the Community Development Administration, or the Maryland Mortgage Program (MMP). We are not a lender and do not make loans or credit decisions. We refer consumers to licensed mortgage lenders that participate in the program.

Program terms, rates, income limits and purchase price limits are set by the State of Maryland and are subject to change until a borrower qualifies and locks a rate. Information on this site is summarized from public MMP materials as of September 2026 and is not a commitment to lend. Equal Housing Opportunity.