Maryland SmartBuy Program
Maryland DHCD / CDA
About This Program
The Grant Map catalogs Maryland SmartBuy Program in its Baltimore, MD research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.
Helps Maryland homebuyers with student loan debt by providing up to $30,000 to pay off outstanding student loans at closing. Combined with competitive mortgage rates through the Maryland Mortgage Program.
Must pay off entire remaining student loan balance at closing (up to $30,000)
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Baltimore, MD, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Baltimore City CDBG Home Repair Program Up to $25,000
- Baltimore City Lead Hazard Reduction Program Up to $20,000
- Baltimore City Weatherization Assistance Program Up to $8,000
- Housing Upgrades to Benefit Seniors (HUBS) Up to $15,000
Key Details
- Up to $30,000 to pay off student loans at closing
- Must fully pay off remaining student loan balance
- Combined with Maryland Mortgage Program rates
- Available for homes purchased in Maryland
- Income and purchase price limits apply
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Baltimore.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Ongoing, subject to funding
Questions about this program?
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Frequently asked questions
What amount is listed for Maryland SmartBuy Program in Baltimore, MD?
The Grant Map record states: Up to $25,000. Confirm the current amount and eligible costs with the administrator.
How do I apply for Maryland SmartBuy Program in Baltimore, MD?
Confirm the application route directly with Maryland DHCD / CDA; use the cited source on this page as a starting point or call 800-638-7781. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Baltimore, MD
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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