Buying your first home in Harford County? Good news — there are several homebuyer assistance programs that can help with down payments, closing costs, and financing. Here’s a simple breakdown of what’s available and how to apply.
What Is Homebuyer Assistance? 
Homebuyer assistance programs are designed to help people afford their first home. They can come in the form of:
- Down payment grants or loans
- Closing cost help
- Reduced interest loans
- Tax credits
These programs are usually offered by the state of Maryland, Harford County, and sometimes through local nonprofits or banks.
“A lot of buyers think they need 20% down — that’s just not true,” says Leigh Kaminsky, a local Realtor in Harford County. “There are great programs here that can help buyers with little savings get into their first home.”
1. Maryland Mortgage Program (MMP)
The Maryland Mortgage Program is one of the most widely used in Harford County. It offers competitive mortgage rates and can include down payment and closing cost assistance.
Highlights:
- 30-year fixed-rate loans
- Down payment assistance up to $6,000 (in most cases)
- Partner Match programs that increase assistance if your employer, builder, or community contributes
Who qualifies:
- First-time homebuyers (or those who haven’t owned in 3+ years)
- Income and home price limits apply
How to apply:
- Visit mmp.maryland.gov
- Take the homebuyer education class (required)
- Connect with an approved lender on their site
“One of the best things about the Maryland Mortgage Program is that it’s flexible — and it works with FHA, VA, and USDA loans,” says a local Harford County loan officer. “It opens the door for a lot of first-time buyers.”
2. Harford County First-Time Homebuyer Program
Harford County offers its own Settlement Expense Loan Program (SELP).
Highlights:
- Up to $15,000 toward closing costs
- 0% interest, deferred payment loan (you repay when you sell or refinance)
Who qualifies:
- First-time buyers purchasing in Harford County
- Must live in the home as a primary residence
- Meet income limits based on household size
How to apply:
- Contact Harford County Housing & Community Development (410-638-3045)
- Complete a HUD-certified homebuyer course
- Work with an approved lender to submit your application
3. Federal and Nonprofit Options
Also check:
- FHA Loans: Low down payment options (3.5%) for qualified buyers
- USDA Loans: For rural-eligible parts of Harford County (100% financing)
- NACA Program: Offers no down payment and no closing costs (requires longer approval process)
“The USDA loan is a hidden gem for parts of Harford County like Street, Whiteford, or Jarrettsville,” says Kaminsky. “If you’re okay being a little outside town, you can buy with zero down.”
Talk to a Local Lender First
Before applying for any of these programs, speak with a Harford County-based lender who’s familiar with local and state options. They’ll help you:
- Understand which programs you qualify for
- Stack multiple sources of assistance (if allowed)
- Handle paperwork and timelines
“Every buyer’s situation is different,” says a local mortgage consultant. “Some qualify for $15K, others only $5K — a local lender can walk you through what’s realistic based on your income and credit.”
Make sure your lender is approved by the Maryland Mortgage Program or Harford County if you’re applying through those channels.
Quick Tips Before You Apply
- Take the class early. Most programs require homebuyer education — don’t wait until the last minute.
- Check your credit. A score of 640+ opens more options.
- Get pre-approved. A lender familiar with assistance programs will guide you.
- Work with a local Realtor. They’ll help you find homes that qualify — and some sellers may contribute to your closing costs too.
FAQs
Q: Can I use more than one program?
Yes, many buyers combine state and county programs, as long as guidelines allow it.
Q: Is there a minimum credit score?
Yes — typically 640 or higher, but it depends on the lender and program.
Q: What counts as a first-time buyer?
Anyone who hasn’t owned a home in the last 3 years.
Q: Do I need to pay back the assistance?
It depends. Some are grants (no repayment), others are zero-interest loans you repay later.
Final Word
If you’re a first-time homebuyer in Harford County, don’t leave money on the table. These programs can save you thousands — and make homeownership more reachable than you think.
“Between state and county programs, I’ve had clients get up to $15,000 in help. That can be the difference between renting and owning.” Leigh Kaminsky
If you have questions or want help getting started, feel free to reach out. I’m happy to walk you through it.