What Qualifies You as a First Time Home Buyer in Maryland?
Maryland’s guide to first-time buyer eligibility in 2025.
Definition of First-Time Buyer
A first-time buyer isn’t only someone who has never owned a home. Maryland and HUD allow exceptions.
- No home ownership in last 3 years
- Divorced or displaced homemakers
- Single parents re-entering market
Maryland Mortgage Program (MMP)
The MMP defines first-time buyer eligibility with income and purchase price caps.
- Check income limits by county
- Purchase price maximums
- Credit score requirements
Loan Types for First-Time Buyers
FHA, VA, USDA, and conventional loans all have first-time buyer flexibilities.
- FHA 3.5% down
- VA zero-down for veterans
- USDA for rural areas
Next Steps
Ready to see if you qualify?
- Get pre-approved at /contact
- Review programs at /communities
- Estimate budget with /evaluation
FAQ
What counts as a first-time buyer in Maryland?
If you haven’t owned in 3 years, you may still qualify—even if you had a home before.
Does divorce affect first-time buyer status?
Yes. Divorced individuals may be reclassified as first-time buyers.
What programs support Maryland first-time buyers?
The Maryland Mortgage Program and county-level assistance provide down payment and closing help.
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